Post Office Money Credit Cards Online Servicing

This document contains the terms and conditions applicable to our Online Banking Service (the “Service”). By using the Service you are agreeing to be bound by the terms and conditions outlined below (the “Terms”).

The Terms apply to any customer (referred to as “you” and “your”) and to the Bank of Ireland UK and its successors and assigns (referred to as “we”, “us” or “our”) which provides the Service.

Some words in the Terms have certain meanings:

  • ‘Account’ means your Post Office Money Credit Card Account;
  • ‘Balance Transfer’ means a payment we make on your request to another organisation which pays off or reduces the amount that you owe to that other organisation excluding any Bank of Ireland Group company;
  • ‘Bank of Ireland Group’ means us and any company which is from time to time a holding company of us, a subsidiary or subsidiary undertaking of us or that holding company and “subsidiary” and “holding company” shall have the meanings given in Section 1159 of the Companies Act 2006;
  • ‘Business Day’ means any day from Monday to Friday (excluding bank holidays in England and Wales) when we are open for business as required for the execution of a payment transaction;
  • ‘Customer Service Centre’ means the office which administers your Account, the current telephone number is 0345 607 6500, and the current address is Post Office Money Credit Cards, PO Box 52746, London, EC4P 4WP. Telephone calls may be monitored and recorded for training purposes;
  • ‘Personal Information’ means the unique personal information provided by you to us which you will be asked to confirm when you access the Services through Post Office Money Credit Cards Online Servicing; and
  • ‘Service’ means Post Office Money Credit Cards Online Servicing.

1. Application of the Terms

1.1 Your Account has its own terms and conditions which may be relevant to the Service. If there is a conflict, the terms and conditions that apply to your Account take precedence over these Terms.

2. Accessing the Service

2.1 To access the Service you must have at least one Account and activate your access via our website using the security details set out below. You must do this before you can use the Service.

2.2 The Service is not available to anyone who is not a resident of the U.K.

3. Features of the Service

3.1 The Service allows you to:

  • 3.1.1 obtain information relating to the balance and transactions on your Account;
  • 3.1.2 opt in or out of receiving paper statements any time by updating your preferences via the Service or by contacting our Customer Service Centre; and
  • 3.1.3 use such other facilities as we may from time to time make available through the Service.

3.2 The balances on your Accounts are those at the close of business on the previous Business Day.

3.3 Any Account balance available through the Service is for information only and may be subject to adjustment as transactions progress through the clearing and payment system. If you need to rely on a balance you can use the Service to view or download your statements or alternatively you can contact our Customer Service Centre who can supply a copy statement, for which there will be a £5.00 charge.

4. Payments and Balance Transfers

4.1 When using the Service you can only make payments into your Account.

4.2 We will carry out an instruction to make a Balance Transfer to your Post Office Money Credit Card from another nominated credit card account. For such transactions the transfer of funds can take up to 3 weeks. The terms and conditions of Balance Transfers will vary, depending on the offer available to you at the time. The terms and conditions of Balance Transfers are available on request.

4.3 All payments and Balance Transfers will be made in pounds sterling.

5. Security of the Services

5.1 While we take reasonable security precautions, the nature of communication by the internet is such that we cannot guarantee the privacy or confidentiality of information relating to you passing over the internet. In using the Service you accept that electronic mail messaging may not be free from interference by third parties and may not remain confidential. You use our Service at your own risk.

5.2 You will have to use the username and password as set up by you to access the Service

5.3 To help prevent fraud and protect the Service you must:

  • 5.3.1 sign your Card as soon as you receive it;
  • 5.3.2 do not write down or record your username and password;
  • 5.3.3 if you change your username and password or Personal Information, avoid one that anybody else might guess easily;
  • 5.3.4 take steps to keep your username and password secret at all times;
  • 5.3.5 never allow anyone else to use your username and password; and
  • 5.3.6 ensure that your registered address, telephone number and email address are up to date and that the arrangements for receiving mail at your registered address and email address are secure.

5.4 You must check your statement carefully and tell us immediately if you think it contains any errors.

5.5 You must tell us immediately if you think we have made any other mistake in the operation of the Service.

5.6 If you act fraudulently in relation to your Account you will be liable for all losses. If you act without reasonable care and losses are caused, you may be liable for them. We may decide that you have not acted with reasonable care if you fail to follow the security safeguards set out in clause 5 or elsewhere in the Terms.

6. Our Obligations to You

6.1 If you break any of these Terms we may take reasonable and proportionate steps to protect our position; for example, by terminating, suspending or restricting your use of the Service.

6.2 We will take reasonable steps to ensure the Service is provided to a good standard. However, you accept that it is not currently technically possible to provide an internet service without interruption or downtime.

6.3 We will not be liable for any delay, suspension or restriction in the Service in performing any of our obligations where such delay or failure arises because of:

  • 6.3.1 Civil disturbance, industrial dispute or any circumstances beyond our reasonable control; or
  • 6.3.2 the failure to perform of any service provider system or network outside our direct control.

6.4 We may refuse to carry out any payment or Balance Transfer if we have reasonable doubts about:

  • 6.4.1 the identity or authority of the person requesting the payment or Balance Transfer;
  • 6.4.2 the lawfulness of the payment or Balance Transfer;
  • 6.4.3 the clearance of any funds required to meet the payment; or
  • 6.4.4 compliance with these Terms.

6.5 We reserve the right to suspend the Service to prevent fraud and we reserve the right to impose restrictions and limitations (at any time) to reduce the risk of fraud.

6.6 If you choose to not receive paper statements, we may, but we do not have to, send you an email each month to the e-mail address you have given us, to let you know that your statement is ready to view on the Service.

6.7 We will not be responsible if the e-mail notification is not received by you for any reason, including because your e-mail address has changed and you have not told us, or it has become invalid, or due to systems failure, interruptions in communications systems or other similar reasons.

6.8 If you do not receive an email notification before the date on which your payment is due, you should log into the Service or contact the Customer Service Centre. Even if you have not received our e-mail or any other notification, or you have not been able to access your statement online, you must still pay at least the minimum repayment on your Account on time.

6.9 We may send you emails about the Service and other services and products that we provide. If you do not wish to receive emails about our products and services, please contact the Customer Service Centre (calls may be recorded and monitored for training and security purposes).

6.10 Instead of notification by email, we may choose to send you notification by other means, including other electronic means such as SMS, alert or any other suitable method.

7. General

7.1 If you have a complaint, we want to know. In the first instance you should contact our Customer Service Centre and they will be happy to help. If you would like full details of our Complaints procedure, we will provide these to you on request.

7.2 You and we agree that the only courts to have jurisdiction over any dispute relating to the Service will be:

  • 7.2.1 the courts of Scotland, if the registered address on the relevant Account is in Scotland at the time proceedings are commenced;
  • 7.2.2 the courts of Northern Ireland, if the registered address on the relevant Account is in Northern Ireland at the time proceedings are commenced; or
  • 7.2.3 if the registered address on the relevant Account is anywhere else at the time proceedings are commenced, the courts of England and Wales.

7.3 We may record instructions received from you by telephone for security reasons and you accept that any recording may be used as evidence in the event of a dispute between you and us.

7.4 The information appearing on the other pages of our website is not an offer or solicitation of investment, financial or banking services to you and is provided for information only.

7.5 We claim copyright over the information contained in our website pages which may not be copied, transmitted, converted, transcribed or reproduced by you without our prior written consent.

8. Charges

8.1 The Service is currently free of charge. You agree to pay any charge that we make for the Service. Any such charge will be reasonable and proportionate to the amount of work that we have to do. We will advise you in writing of the introduction of a charge not less than 30 days in advance.

8.2 We will debit your Account with charges unless you make a different arrangement with us.

9. Changes to these Terms

9.1 These Terms may be changed by us to:

  • 9.1.1 make them easier to understand, fairer or to correct mistakes;
  • 9.1.2 reflect changes in the law, regulatory guidance or in any code of practice;
  • 9.1.3 improve the service offered to you or to make it more efficient or cost effective; or
  • 9.1.4 reflect a decision or recommendation of any court or ombudsman.

9.2 Where any change to these Terms is to your disadvantage (or if it is not clear whether or not it is to your advantage or disadvantage) we will notify you at least 30 days before it takes effect either by an announcement on the website (to which we will draw your attention by email alert) or by email or by letter. You may terminate your access to the Service by immediate written notice and without charge if you wish.

9.3 If a change is clearly to your advantage we may make the change immediately and announce it on the website within 30 days.

9.4 An accidental error or omission in telling you about a change to these Terms shall not invalidate the change.

9.5 We will make the current version of these Terms available on the website.

10. Ending this Agreement

10.1 Your access to the Service will be withdrawn if we are notified that you have been made bankrupt, or we have received notification of your death.

10.2 You may end your access to the Service by writing to us.

10.3 We may withdraw the Service from you if:

  • 10.3.1 you cease to have an Account;
  • 10.3.2 you have broken any of these Terms; or
  • 10.3.3 it ceases to be either technically practicable or commercially economic for us to provide the Service to you.

10.4 Unless there are exceptional circumstances, such as fraud, we will not withdraw the Service from you without giving you at least 30 days’ notice.

10.5 Notwithstanding the termination of the Agreement or the withdrawal of the Service, these Terms and the terms and conditions applicable to your Account will remain in force until any monies due by you to us are paid in full.