Terms and Conditions for Remote Banking Services

Personal Terms and Conditions


Terms and Conditions for Anytime Internet and Telephone Banking

Introduction

The terms in this section apply to You if We have agreed that You may use our telephone and online banking services, which allow You to operate your account by telephone or by accessing our website.

These terms and conditions are to be read in conjunction with the Terms and Conditions for your Account, which form part of these Terms and Conditions.

If You do not hold an Ulster Bank credit card, the terms and conditions which relate to credit cards will not apply to you.


Definitions

'We', 'us', 'our' means Ulster Bank Ireland DAC.
'You', 'your' means You, the person or persons in whose name(s) the Account is held and for credit cards, means the person who has a credit card account with us. If You have a joint Account, references in these Terms and Conditions to 'You' include both of You, together and separately.

'Account' means the account with us in your name.

'Security Details' means the identifying words, codes and/or numbers agreed between You and us for use in the security procedures relating to your Account.

'Service' means the Ulster Bank telephone and online banking service and Ulster Bank Anytime Telephone Banking when accessed using the telephone or internet.


Authority

  1. You authorise us to accept and act on your instructions and to pay to and from your Account(s) the amounts involved when the transaction has been authenticated by the use of the security procedure We require You to follow. You acknowledge and agree that this may be on an Account that could otherwise only be operated by two or more persons.
  2. If You have a joint Account, We will act on the instructions of any one of You but You are each responsible for all transactions carried out and for the repayment of any borrowing which arises on your account.

Security Procedure

  1. You must keep your Security Details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.
  2. You must not disclose your Security Details to any other person or record your Security Details in any way that may result in them becoming known to another person.
  3. Please note that after initial registration or enrolment We will never contact You, or ask anyone to do so on our behalf, with a request to disclose your Security Details in full. If You receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and You must not supply your Security Details to them in any circumstances. You should report any such requests to us immediately.
  4. If You suspect someone knows your Security Details or there is unauthorised use of your Account You must contact us immediately as set out in the Personal Banking Terms and Conditions. If You fail to do so, You may be liable for any unauthorised transactions of up to €75 on your Account arising from the lost or stolen Security Details or where You have failed to keep your Security Details safe. If You acted fraudulently or intentionally, or with a gross lack of reasonable care failed to comply with your obligations in this paragraph or You otherwise breach these Conditions, the €75 limit will not apply and You may be liable for the full amount of all unauthorised transactions on your Account.
  5. You are not liable for any transactions which arise from a misuse of your Security Details after You have notified us as set out in the Personal Banking Terms and conditions unless You acted fraudulently.
  6. You will be responsible for all instructions received by us between the time You pass the security procedure until You exit from the Service. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave the device You are using to access the Service unattended while You are still logged onto our website.
  7. Telephone calls may be recorded for security and training purposes.

Transactions

  1. Banking instructions received for your current and savings Accounts on any Business Day will normally be processed on the Business Day on which We are deemed to have received your instruction in accordance with Condition 11 in Section B of the Personal Banking Terms and Conditions. You will be advised at the time You send the instruction if the instruction cannot be processed that day but will be processed on the next Business Day. Instructions received at any other time will be processed the next Business Day.
  2. Provision of the Service will not give You the right to make the Account overdrawn except to the extent of any overdraft which We may agree from time to time.
  3. You are responsible for all transactions carried out using the Service and for repayment of any debt that arises from use of the Service.

Charges

  1. We reserve the right to charge You and You agree to pay the charges for the Service or any part of it. Details of new charges and changes to charges will be notified to You in writing, or by a text message or e-mail, at least sixty days before they take effect and will also be available on the Ulster Bank website (www.ulsterbank.com).

Availability of the Service

  1. While We will make reasonable efforts to provide the Service, We will not be liable for any failure to provide the Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Service resulting from maintenance and upgrades to our systems or those of any party used to provide the Service.

Variation/Termination of the Service

  1. We reserve the right to change the Service from time to time and shall give You sixty days prior notice of any material changes.
  2. We may suspend, withdraw or restrict the use of the Service or any part of the Service where:
    1. we have reasonable grounds to suspect that your Security Details have not been kept safe; or
    2. we have reasonable grounds to suspect unauthorised or fraudulent use of your Security Details; or
    3. as a result of a change in the way You operate your Account or in your financial circumstances, We have reasonable grounds to believe that You may have difficulty in meeting your commitments; or
    4. we consider it appropriate for your protection.
    Unless We are unable to contact You or there is a legal reason or other circumstances beyond our control preventing us from doing so, We will notify You personally before taking this action and provide our reasons for doing so. If We are unable to contact You beforehand, where possible We will notify You and give our reasons afterwards.
  3. You may terminate your subscription to the Service by notifying us. The notification will not be effective until We receive it.
  4. These terms and conditions and the charges for the Service may be varied from time to time in accordance with the Terms and Conditions for your Account.


Image of Padlock Your information


Who we are
  1. We are a member of the Royal Bank of Scotland Group (the Group). For information about our Group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0044 131 556 8555 or Textphone 0044 845 900 5960.

How we use your information and who we share it with
  1. We may use and share your information with other members of the Group to help us and them:
    • assess financial and insurance risks;
    • recover debt;
    • prevent and detect crime;
    • understand our customers' requirements;
    • develop and test products and services.
  2. Your information comprises all the details we hold about you and your transactions, and includes information obtained from third parties.
  3. We do not disclose your information to anyone outside the Group except:
    • where we have your permission; or
    • where we are required or permitted to do so by law; or
    • to credit reference and fraud prevention agencies and other companies that provide a service to us or you: or
    • where we may transfer rights and obligations under this agreement.
  4. We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.
  5. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.
  6. If you would like a copy of the information we hold about you, please write to your branch. A fee may be payable.


Image of Padlock Credit reference agencies

We may make periodic searches at credit reference agencies and will provide information to the Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who may make this information available to other organisations so that they can take decisions about you. The information may also be used for tracing purposes.

Image of Padlock Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

  • checking applications for, and managing credit or other facilities and recovering debt;
  • checking insurance proposals and claims;
  • checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.
We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of your information held by them. Please contact your branch. The agencies may charge a fee.