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									Visa Debit
Card




TERMS AND CONDITIONS
Effective from 20 September 2010




www.gatewaycu.com.au
INDEX
                                              Section 1:
Section 1:                                    Things you should know
Things you should know about your
Gateway Visa Debit Card                  1    about your Gateway
Key Benefits of Your Visa Debit Card      2    Visa Debit Card
Points to Remember                       2
                                              This brochure contains information and
Important Security Measures              2    Terms and Conditions for a Visa Debit
Security Risks                           4    Card with Gateway Credit Union.
Visa Debit Card Conditions of Use        4
                                              It should be read in conjuction with:
Dispute Resolution                       5
                                                The Fees and Charges brochure.
Merchant Surcharges                      5
                                              Please read the Terms and Conditions
Foreign Currency Conversion Fee          5
                                              very carefully. Always retain a copy of
Gateway Visa Debit Card – Associations   6
                                              all documents for future reference.
Enquiries                                6
                                              The Visa Debit Card provides access
Section 2:
Terms and Conditions of Use
                                              to your Gateway Everyday Savings or
– Visa Debit Card                        6    100% Loan Offset Account. You will
Section 3:                                    therefore need to ensure you have
Terms and Conditions of Use                   sufficient available funds in your linked
– Verified by Visa                        21
                                              account.
                                              Gateway Credit Union warrants that it
                                              will comply with the requirements of
                                              the Electronic Funds Transfer Code of
                                              Conduct where the Code applies.




                                                                                         1
    Key Benefits of your Visa Debit Card
       Withdraw cash from ATMs in Australia and overseas           Guidelines for Ensuring the Security
       Make purchases at all retail outlets which have             of your Visa Debit Card and PIN
       EFTPOS facilities
                                                                    Sign the Visa Debit Card as soon as you receive it;
       Pay bills or make purchases over the phone,
                                                                    Keep the Visa Debit Card in a safe place;
       counter or Internet
       Obtain a cash advance over the counter from any              If you change the PIN, you must not select a PIN
       bank that displays the Visa symbol                           which represents your birth date or a recognisable
                                                                    part of your name;
       Make deposits and withdrawals with Bank@Post
                                                                    Never write the PIN on the Visa Debit Card;
       Secure chip for enhanced fraud prevention
       Verified by Visa security when shopping online                Never write the PIN on anything which is kept with
       (effective 18 October 2010).                                 or near the Visa Debit Card;

    Points to Remember                                              Never lend the Visa Debit Card to anybody;

       Your daily cash withdrawal limit for ATM and EFTPOS          Never tell or show the PIN to another person;
       is $1,000                                                    Use care to prevent anyone seeing the Visa Debit
       Always maintain sufficient funds in your linked account to    Card number and PIN being entered at Electronic
       cover payments you wish to make                              Equipment;
       Transaction fees may apply – please refer to Gateway’s       Immediately report the loss, theft or unauthorised
       brochure for Fees & Charges                                  use of the Visa Debit Card during business hours
       Third parties may also impose a surcharge on EFT             to Gateway on 1300 302 474 or after hours on the
       transactions.                                                Visa Debit Card Hotline on
                                                                    1800 224 004;
    Important Security Measures                                     Keep a record of the Visa Debit Card number and
    You should follow the guidelines in the box to the right to     the Visa Debit Card Hotline telephone number with
    protect against unauthorised use of the Visa Debit Card         your usual list of emergency telephone numbers;
    and PIN. These guidelines provide examples of security
                                                                    Examine your periodical statement immediately
    measures only and will not determine your liability for any
                                                                    upon receiving it to identify and report, as soon as
    losses resulting from unauthorised EFT Transactions.
                                                                    possible, any instances where the Visa Debit Card
    Liability for such transactions will be determined in
                                                                    has been used without your authority; and
    accordance with clause 15 of these Conditions of Use and
    the Electronic Funds Transfer Code of Conduct.                  Immediately notify Gateway of any change
                                                                    of address.




2                                                                                                                          3
    Security Risks                                                   Your Visa Debit Card can only be linked to a 100% Loan
                                                                     Offset Account while you have a home loan with a variable
    Unless the proper precautions are taken, there are risks
                                                                     interest rate. If, during the term of your loan, your Variable
    that your Visa Debit Card may be lost, stolen or used
                                                                     Rate Home Loan is converted to a Fixed Rate Home
    without your permission. There are also inherent risks
                                                                     Loan or you select the fixed option in years 2 and 3 for
    associated with EFT transactions. Although Gateway
                                                                     your Discount Variable Rate Home Loan, then your 100%
    takes precautions, the security of electronically initiated
                                                                     Loan Offset Account will convert to an Everyday Savings
    transactions can never be guaranteed.
                                                                     Account. This will enable you to still access your funds
    You may be liable for unauthorised use of your Visa Debit        using your Visa Debit Card.
    Card. You should refer to the Visa Debit Card Terms &
                                                                     You should read carefully these Conditions of Use and
    Conditions of Use for your liability for unauthorised use of
                                                                     the Terms and Conditions for the relevant linked account
    the Visa Debit Card and ways in which you can minimise
                                                                     and retain them for future reference. Copies of each of the
    the risk of a security breach.
                                                                     documents can be made available to you on request from
    Always protect your Visa Debit Card PIN and do not reveal        Gateway or via our website www.gatewaycu.com.au
    your PIN or Password to anyone.
    Always report any breach of security or misuse of a
                                                                     Dispute Resolution
    payment service by calling us immediately on 1300 302 474        Gateway has its own dispute resolution procedures.
    to disable your access to any payment service.                   These procedures deal with any disputes concerning this
                                                                     product or its associated features. Complaints can be
    Report the loss of your Visa Debit Card immediately during
                                                                     made to the Gateway’s Complaints Officer by phoning,
    business hours on 1300 302 474 or after hours on the Visa
                                                                     faxing, writing or emailing Gateway.
    Debit Card Hotline 1800 224 004.
                                                                     External dispute resolution procedures are also available
    If you unreasonably delay notifying us or the Visa Debit
                                                                     to you. Gateway is a member of the Credit Ombudsman
    Card Hotline of the misuse, loss or theft of your Visa Debit
                                                                     Service Limited (COSL) which is an approved external dispute
    Card or of the PIN becoming known to someone else, your
                                                                     resolution scheme as required by the Australian Securities
    possible loss as a result of unauthorised transactions on
                                                                     and Investments Commission. Further details are contained
    your account may increase.
                                                                     in Gateway’s Dispute Resolution Scheme brochure available
    Visa Debit Card Conditions of Use                                from Gateway or from www.gatewaycu.com.au
    These Conditions of Use govern the use of the Visa Debit         Merchant Surcharges
    Card to access your linked account. The value of all
                                                                     Some merchants and EFT terminals apply a surcharge
    transactions, and any fees and charges, will be processed
                                                                     for making EFT transactions. You should ask if any
    to your linked account. You can link the Visa Debit Card on
                                                                     surcharge applies, and if so, the amount, before
    either your Everyday Savings Account or 100% Loan Offset
                                                                     confirming the transaction.
    Account (while your Home Loan has a variable interest rate) to
    make withdrawals or purchase goods and services via ATM,         Foreign Currency Conversion Fee
    EFTPOS, on the Internet and over the telephone. Each such
                                                                     All transactions made overseas on your Visa Debit Card will
    transaction will be governed by these Conditions of Use and
                                                                     be converted into Australian currency by Visa International,
    by the Terms and Conditions for the relevant linked account.
                                                                     and calculated at a wholesale market rate selected by Visa
    In the event of an inconsistency between these Conditions of
                                                                     from within a range of wholesale rates or the government
    Use and the terms applicable to your linked account, these
                                                                     mandated rate which is in effect one day prior to the
    Conditions of Use shall prevail.

4                                                                                                                                     5
    Central Processing Date – which is the date on which Visa          Visa Debit Card to access your linked account with
    processes the transaction.                                         Gateway. Each transaction on a linked account is also
    All transactions made overseas on the Visa Debit Card are          governed by the terms and conditions to which that
    subject to a conversion fee equal to 2% (fee rate current          account is subject. In the event of an inconsistency
    at the date of this brochure) of the value of the transaction.     between these Terms and Conditions of Use and the
    The amount of this conversion fee is subject to change from        terms applicable to your linked account, these Terms
    time to time.                                                      and Conditions of Use shall prevail.

    Transactions may not be processed to your linked account         b. The first transaction on the Visa Debit Card will be taken
    on the same day. To the extent permitted by law, you                as your agreement to comply with these Terms and
    bear the risk of a change in exchange rates during the              Conditions of Use.
    intervening period.                                                 Definitions
                                                                        In these Terms and Conditions of Use:
    Gateway Visa Debit Card –                                           “the Credit Union” or “Gateway” means the Visa
    Associations                                                        Debit Card Issuer being Gateway Credit Union Ltd.
    The Visa Debit Card is issued by Gateway Credit Union.              “Card Details” means the information provided on the
    Gateway is responsible to you for providing the services in         card and includes, but is not limited to, the card number
    relation to your Visa Debit Card.                                   and expiry date.

    Gateway is a member of Credit Union Services Corporation            “CUSCAL” means CUSCAL Limited (ABN 95 087 822 455).
    (Australia) Limited (CUSCAL).                                       “Day” means a 24 hour period commencing on midnight
    CUSCAL is the principal member of Visa and Visa                     in Australian Eastern Standard Time (AEST) or Australian
    Worldwide under which Gateway can provide you with the              Eastern Daylight Time (AEDT), as the case may be.
    Visa Debit Card.                                                    “EFT System” means the shared system under which
                                                                        EFT Transactions are processed.
    Enquiries
                                                                        “EFT Terminal” means the electronic equipment,
    If you would like any further information about the Visa Debit      electronic system, communications system or software
    Card please contact Gateway on 1300 302 474 or visit                controlled or provided by or on behalf of Gateway or
    www.gatewaycu.com.au                                                any third party for use with a Visa Debit Card and PIN
                                                                        to conduct an EFT Transaction and includes, but is not
                                                                        limited to, an automatic teller machine or point of sale
    Section 2: Terms and                                                terminal.

    Conditions of Use                                                   “EFT Transaction” means a transaction initiated by
                                                                        your instruction to:
    Verified by Visa                                                     a. Withdraw cash from an automatic teller machine with
    (Effective 18 October 2010)                                            the Visa Debit Card and your PIN;
                                                                        b. Purchase goods and/or services at Visa Outlets
    1. Introduction                                                        using the Visa Debit Card and your PIN or signature
    a. The Visa Debit Card is issued under agreement with                  depending on the relevant authorisation requirement
       Gateway, by Cuscal Limited (ABN 95 087 822 455).                    of the Visa Outlet; and
       These Term and Conditions of Use govern use of the

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       c. Make a payment via the internet or telephone using       4. Protecting the PIN
          your Visa Debit Card number and any associated           a. You will be issued with a PIN to use the Visa Debit
          security code if required.
                                                                      Card with certain Electronic Equipment. You agree to
       “Electronic Equipment” includes, but is not limited to,        protect this PIN as a means of preventing fraudulent or
       a computer, television, telephone and an EFT Terminal.         unauthorised use of the Visa Debit Card.
       “Linked account” means your Gateway account which           b. You must not tell or show the PIN to another person or
       is linked to your Visa Debit Card.                             allow it to be seen by another person, including your
       “Merchant” means a retailer or any other provider of           family and friends.
       goods or services.                                          c. If you change the PIN, you must not select a PIN which
       “Our”, “We” and “Us” means the Visa Debit Card                 represents your birth date or a recognisable part of your
       Issuer being Gateway Credit Union Ltd.                         name. If you do use an obvious PIN such as a name or
       “PIN” means the personal identification number issued           date you may be liable for any losses which occur as a
       to you by us for use with a Visa Debit Card when giving        result of unauthorised use of the PIN before notification to
       an instruction through Electronic Equipment.                   Gateway or the Visa Debit Card Hotline that the PIN has
       “User”, “you” or “your” means the person who is                been misused or has become known to someone else.
       issued with the Visa Debit Card.                            d. Do not record the PIN on the Visa Debit Card or keep a
       “Visa Debit Card” means the Visa Debit Card issued             record of the PIN on anything which is kept with or near
       to you by us. Unless otherwise required by the context, a      the Visa Debit Card.
       singular word includes the plural and vice versa.           5. Using the Visa Debit Card
    2a. Code of Conduct                                            a. The Visa Debit Card may only be used to perform
    The Electronic Funds Transfer Code of Conduct (EFT                transactions on your linked account. You will be advised
    Code) governs all EFT Transactions to or from your linked         of the account(s) which you may link to the Visa Debit
    account. Notwithstanding the inclusion of a signature-            Card.
    based transaction in the definition of EFT Transaction, the     b. Your linked account will be debited with the value of
    EFT Code may not apply to signature-based transactions.           all transactions, including sales and cash advance
    We warrant that we will comply with the requirements of the       vouchers arising from the use of the Visa Debit Card
    Electronic Funds Transfer Code of Conduct.                        (including all mail or telephone orders placed by
    2b. Code of Practice                                              quoting the Visa Debit Card number) and all other EFT
                                                                      Transactions.
    Certain provisions of the Mutual Banking Code of Practice
    apply to these Terms and Conditions of Use.                    c. You will be advised from time to time:

    A copy of the Mutual Banking Code of Practice is available        (i) what EFT Transactions may be performed using the
    upon request.                                                         Visa Debit Card; and

    3. Signing the Visa Debit Card                                    (ii) what EFT Terminals of other financial institutions may
                                                                           be used.
    You agree to sign your Visa Debit Card immediately upon
    receiving it and before using it as a means of preventing      d. Transactions will not necessarily be processed to your
    fraudulent or unauthorised use of your Visa Debit Card.           linked account on the same day.




8                                                                                                                                   9
     6. Using the Visa Debit Card Outside Australia                    c. We may at any time limit the amount of an EFT
     a. Use of the Visa Debit Card outside Australia must                 Transaction. You will be advised of any such daily or
        comply with any exchange control requirements.                    periodic transaction limits. For withdrawals through EFT
                                                                          Terminals, there is a maximum daily withdrawal limit of
     b. All transactions made overseas or in a foreign currency
                                                                          A$1,000. Withdrawals are also subject to dollar note
        on the Visa Debit Card will be converted into Australian
                                                                          denominations available. This limit is the total amount that
        currency by Visa International, and calculated at a
                                                                          can be withdrawn using a PIN from the linked account.
        wholesale market rate selected by Visa from within a
        range of wholesale rates or the government mandated            d. You acknowledge that third party organisations including
        rate that is in effect one day prior to the Central               Merchants or other financial institutions may impose
        Processing Date (that is, the date on which Visa                  additional restrictions on the amount of funds that may be
        processes the transaction).                                       withdrawn, paid or transferred.

     c. All transactions made overseas on the Visa Debit Card          8. Authorisations
        are subject to a currency conversion fee equal to 2% of        You acknowledge and agree that:
        the value of the transaction and payable to CUSCAL as          a. We have the right to deny authorisation for any EFT
        the principal member of Visa International. The amount            Transaction for any reason; and
        of this currency conversion fee is subject to change from
                                                                       b. We will not be liable to you or any other person for any
        time to time and you will be advised in advance of any
                                                                          loss or damage which you or such other person may
        such change.
                                                                          suffer as a result of such refusal.
     d. Some overseas Merchants and EFT Terminals charge
                                                                       9. Account Statements
        a surcharge for making an EFT Transaction. Once you
        have confirmed the transaction you will not be able to          a. Periodical statements in relation to your linked account
        dispute the surcharge. The surcharge may appear on your           will be issued in accordance with the relevant terms and
        statement as part of the purchase price.                          conditions of the linked account.

     e. Before travelling overseas, you should consult with            b. You may request a copy of your account statement at
        Gateway to obtain the Visa Debit Card Hotline number for          any time.
        your country of destination. You should use the Visa Debit     c. We may charge a fee for responding to any request by
        Card Hotline if any of the circumstances described in             you to provide more frequent account statements or
        clause 16 apply.                                                  copies of your account statements.
     f. You must comply with all applicable exchange control and       d. Member’s transaction history is available at all times via
        tax laws governing the use of the Visa Debit Card and you         Online Banking. Members signed up to receive Online
        indemnify us against liability, loss, fees, charges or costs      Statements may retrieve past statements at no cost.
        arising as a consequence of a failure to comply with them.     10. Transaction Slips and Receipts
     7. Withdrawal and Transaction Limits                              It is recommended that you check and retain all transaction
     a. You agree that the Visa Debit Card will not be used to         slips, receipts and payment or transfer reference numbers
        exceed the available funds of your linked account.             issued to you after conducting an EFT Transaction, as well
     b. If clause 7(a) is breached, we may:                            as copies of all sales and cash advance vouchers, to assist
                                                                       in checking EFT Transactions against your statements.
        (i) dishonour any payment instruction given; and
        (ii) charge you an administrative fee as advised to you
             from time to time.
10                                                                                                                                       11
     11. Additional Cards                                               (ii) you close your linked account;
     Additional cards for use by a person nominated by you              (iii) you cancel your Visa Debit Card; or
     (nominee) other than for use by joint account holders, will        (iv) you alter the authorities governing the use of your
     not be available.                                                       linked account unless Gateway Credit Union agrees
     12. Renewal of the Visa Debit Card                                      otherwise.
     a. Unless you are in breach of these Terms and Conditions       14. Use After Cancellation or Expiry of The
        of Use or we deem otherwise for the security of the EFT          Visa Debit Card
        System or individual accounts, you will be automatically     a. You must not use the Visa Debit Card:
        provided with a replacement Visa Debit Card before the
                                                                        (i) before the valid date or after the expiration date
        expiry date of the current Visa Debit Card.
                                                                            shown on the face of the Visa Debit Card; or
     b. If you do not wish to receive a replacement Visa Debit
                                                                        (ii) after the Visa Debit Card has been cancelled.
        Card, you must notify Gateway before the expiration date
                                                                     b. You will continue to be liable to reimburse us for any
        of the current Visa Debit Card. You must give Gateway
                                                                        indebtedness incurred through such use whether or not
        reasonable time beforehand to arrange cancellation of
                                                                        you have closed your linked account.
        the issue of a replacement Visa Debit Card.
     13. Cancellation and Return of the                              15. Your Liability in Case the Visa Debit Card Is Lost
         Visa Debit Card                                                 or Stolen or in Case of Unauthorised Use
     a. The Visa Debit Card always remains the property of           a. You are liable for all losses caused by unauthorised EFT
        Gateway.                                                        Transactions unless any of the circumstances specified
                                                                        below apply.
     b. We can immediately cancel the Visa Debit Card and
        demand its return at any time for security reasons, if you   b. You are not liable for losses:
        breach these Terms and Conditions of Use or you are             (i) where it is clear that you have not contributed to the loss;
        in breach of the Terms and Conditions of your linked            (ii) that are caused by the fraudulent or negligent
        accounts, or that the linked account is blocked for                  conduct of employees or agents of:
        further transactions using the Visa Debit Card.
                                                                               The Credit Union;
     c. We may, at any time, cancel the Visa Debit Card for any
                                                                               Any organisation involved in the provision of the
        reason by giving you 30 days written notice. The notice
                                                                               EFT System; or
        does not have to specify the reasons for the cancellation.
     d. You may cancel your Visa Debit Card at any time by                     Any Merchant relating to a forged, faulty, expired
        giving Gateway written notice.                                         or cancelled VisaDebit Card or PIN;

     e. You will be liable for any transactions you make using the      (iii) that are caused by the same transaction being
        Visa Debit Card before the Visa Debit Card is cancelled               incorrectly debited more than once to the same
        but which are not posted to your linked account until                 account;
        after cancellation of the Visa Debit Card.                      (iv) that would exceed the amount of your liability to us
     f. You must return your Visa Debit Card to Gateway when:                had we exercised our rights (if any) under the Visa
        (i) you are notified that your Visa Debit Card has been               International Rules and Regulations against other
            cancelled;                                                       parties to those rules and regulations; or



12                                                                                                                                         13
     (v) resulting from unauthorised use of the Visa Debit Card             notification to the Visa Debit Card Hotline that the Visa
         or PIN:                                                            Debit Card has been misused, lost or stolen or the PIN
           In relation to an EFT Transaction which does not                 has become known to someone else, is the lesser of:
            require a PIN authorisation, before receipt of the Visa         (i) $150;
            Debit Card;                                                     (ii) the actual loss at the time of notification to Gateway
           In relation to an EFT Transaction which requires PIN                  or the Visa Debit Card Hotline of the misuse, loss or
            authorisation, before receipt of the PIN; or                         theft of the Visa Debit Card, or of the PIN becoming
           In either case, after notification to us in accordance                 known to someone else (except that portion of the
           with clause 16 that the Visa Debit Card is being used                 loss that exceeds any daily or periodic transaction
           without authority, that it has been lost or stolen, or                limits applicable to the use of your Visa Debit Card or
           that PIN security has been breached.                                  your linked account); or

     c. You will be liable for any loss of funds arising from any           (iii) the available funds of your linked account.
        unauthorised EFT Transaction using the Visa Debit Card           e. If, in cases not involving EFT Transactions, the Visa
        or PIN if the loss occurs before notification to the Visa            Debit Card or PIN are used without authority, you are
        Debit Card Hotline that the Visa Debit Card has been                liable for that use before notification to Gateway or the
        misused, lost or stolen or the PIN has become known                 Visa Debit Card Hotline of the unauthorised use, up to
        to someone else and if it is proved, on the balance of              your current daily withdrawal limit.
        probabilities, that you contributed to the loss through:         f. Notwithstanding any of the above provisions, your liability
        (i) fraud, failure to look after and keep the PIN secure in         will not exceed your liability under the provisions of the
            accordance with clauses 4(b), (c) and (d), or extreme           Electronic Funds Transfer Code of Conduct, where that
            carelessness in failing to protect the security of the          code applies.
            PIN; or                                                      16. How to Report Loss, Theft or Unauthorised
        (ii) unreasonably delaying in notifying us or the Visa               Use of The Visa Debit Card Or PIN
             Debit Card Hotline of the misuse, loss or theft of the      a. If you believe the Visa Debit Card has been misused,
             Visa Debit Card or of the PIN becoming known to                lost or stolen or the PIN has become known to someone
             someone else and the loss occurs between the time              else, you must immediately contact Gateway Credit
             you did, or reasonably should have, become aware of            Union (during normal business hours) on 1300 302 474
             these matters and the time of notification to the Credit        or the Visa Debit Card Hotline (after business hours) on
             Union or the Visa Debit Card Hotline.                          its emergency number detailed in the Green Box below.
        However, you will not be liable for:
        (i) the portion of the loss that exceeds any applicable                GATEWAY MEMBER SERVICES
            daily or periodic transaction limits on your linked                1300 302 474
            account;                                                           VISA DEBIT CARD HOTLINE
                                                                               Australia wide toll free 1800 224 004
        (ii) the portion of the loss on any linked account which
                                                                               Sydney Metropolitan Area 9959 7480
             exceeds the funds available of that linked account.
     d. Where a PIN was required to perform the unauthorised
                                                                         b. Gateway or the Visa Debit Card Hotline will acknowledge
        transaction and clause 15(c) does not apply, your liability
                                                                            the notification by giving a reference number. Please
        for any loss of funds arising from an unauthorised transaction
                                                                            retain this number as evidence of the date and time
        using the Visa Debit Card, if the loss occurs before

14                                                                                                                                         15
        of contacting the Credit Union or the Visa Debit Card            (iii) a copy of the periodical statement in which the
        Hotline.                                                               unauthorised transaction or error first appeared;
     c. When contacting Gateway or the Visa Debit Card                   (iv) an explanation, as clearly as you can, as to why you
        Hotline, you should confirm the loss or theft with                     believe it is an unauthorised transaction or error, and
        Gateway as soon as possible.                                     (v) the dollar amount of the suspected error.
     d. The Visa Debit Card Hotline is available 24 hours a day,      Please note: It is extremely important for you check
        7 days a week.                                                your statement of account immediately when it is
     e. If the Visa Debit Card Hotline is not operating at the time   available. There are time limitations imposed for your
        notification is attempted, the loss, theft or unauthorised     notification to Gateway of disputed transactions. If
        use must be reported to Gateway as soon as possible           you do not inform Gateway of disputed transactions
        during business hours. You will not be liable for any         within the required timeframe, Gateway will not be
        losses arising because the Visa Debit Card Hotline is not     able to reimburse or refund any of the transaction
        operating at the time of attempted notification, provided      amount. More details are available by calling us on
        that the loss, theft or unauthorised use is reported to       1300 302 474.
        Gateway as soon as possible during business hours.            b. Gateway will investigate your complaint, and if it is
     f. If the loss, theft or misuse, occurs OUTSIDE                     unable to settle your complaint immediately to your
        AUSTRALIA you must notify an organisation displaying             and our satisfaction, we will advise you in writing of the
        the Visa sign and also then confirm the loss, theft or            procedures for further investigation and resolution and
        misuse of the card:                                              may request further relevant details from you.
        (i) with Gateway by telephone or priority paid mail as        c. Within 21 days of receipt from you of the details of your
            soon as possible; or                                         complaint Gateway will:
        (ii) by telephoning the Visa Debit Card Hotline                  (i) complete its investigation and advise you in writing of
             number for the country you are in, which you must               the results of its investigation; or
             obtain from Gateway prior to your departure in              (ii) advise you in writing that it requires further time to
             accordance with clause 6(e) of these Conditions                  complete its investigation.
             of Use.
                                                                         We will complete the investigation within 45 days of
     17. Steps You Must Take to Resolve Errors or                        receiving your complaint, unless there are exceptional
         Disputed EFT Transactions                                       circumstances.
     a. If you believe an EFT Transaction is wrong or                 d. If we are unable to resolve your complaint within 45
        unauthorised or your periodical statement contains any           days, you will be advised of the reasons for the delay
        instances of unauthorised use or errors, immediately             and we will provide you with monthly updates on the
        notify us by calling 1300 302 474 as soon as you can.            progress of the investigation and its likely resolution
        Gateway, as the Visa Debit Card issuer, is responsible for       date, except where we are waiting for a response from
        resolving your complaint. You must give us the following         you and you have been advised that we require such a
        information:                                                     response.
        (i) your name, account number and Visa Debit Card             e. If your complaint has not been resolved within 120 days
            number;                                                      of receipt of the details of your complaint, we will resolve
        (ii) the error or the transaction you are unsure about;          the complaint in your favour.


16                                                                                                                                      17
     f. If we find that an error was made, we will make the                     Using the Visa Debit Card;
        appropriate adjustments to your linked account including               Issuing the PIN or any additional or replacement PIN;
        interest and charges (if any) and will advise you in writing
                                                                               Using the PIN;
        of the amount of the adjustment.
                                                                               Issuing account statements; or
     g. When we advise you of the outcome of the investigations,
        we will notify you in writing of the reasons for our                   Any other service provided in relation to the Visa
        decision by reference to these Terms and Conditions of                 Debit Card.
        Use and the Electronic Funds Transfer Code of Conduct            b. You will also be advised whether you (your linked
        and advise you of any adjustments made to your linked               account) will be debited with Government charges,
        account. If you are not satisfied with the decision,                 duties or taxes arising out of any transaction.
        you may wish to take the matter further. You may, for
                                                                         c. The fees and charges payable in respect of the Visa
        instance, contact our appointed dispute resolution
                                                                            Debit Card are set out in the Fees & Charges brochure.
        centre, which is the Credit Ombudsman Service Limited
                                                                         19. Exclusions of Warranties And
        (COSL). COSL’s contact details are:
                                                                             Representations
           The Ombudsman, COSL,
                                                                         a. We do not warrant that Merchants displaying Visa signs
           PO Box A252,
                                                                            or promotional material will accept the Visa Debit Card
           Sydney South NSW 1235
                                                                            in payment for goods and services. You should always
           Telephone: 1300 780 808
                                                                            enquire beforehand before selecting goods or services.
           Email: info@cosl.com.au
           Website: www.cosl.com.au                                      b. We will not accept any responsibility should a Merchant,
                                                                            bank or other institution displaying Visa signs or
     h. If we decide that you are liable for all or any part of a loss
                                                                            promotional material, refuse to accept or honour the
        arising out of unauthorised use of the Visa Debit Card or
                                                                            Visa Debit Card. We do not warrant that EFT Terminals
        PIN, we will:
                                                                            displaying Visa signs or promotional material will accept
        (i) give you copies of any documents or other evidence              the Visa Debit Card.
            relied upon; and
                                                                         c. We shall not be held responsible for any defects in the
        (ii) advise you in writing whether or not there was any             goods and services acquired by you through the use of
             system or equipment malfunction at the time of the             the Visa Debit Card. You acknowledge and accept that
             relevant transaction.                                          all complaints about these goods and services must be
     i. If we fail to carry out these procedures or cause                   addressed to the supplier or Merchant of those goods
        unreasonable delay in resolving your complaint, we may              and services.
        be liable for part or all of the amount of the disputed          20. Malfunction
        transaction where that failure or delay has prejudiced the
                                                                         a. You will not be responsible for any loss you suffer
        outcome of the investigation.
                                                                            because an EFT Terminal accepted an instruction but
     18. Transaction and Other Fees                                         failed to complete the transaction.
     a. You will be advised of any fees and charges payable in           b. If an EFT Terminal malfunctions and you should have
        relation to the operation of the Visa Debit Card including,         been aware that the EFT Terminal was unavailable for
        without limitation, for:                                            use or malfunctioning, we will only be responsible for
           Any transactions;                                                correcting errors in your linked account and refunding to
           Issuing the Visa Debit Card or any additional or                 you any charges or fees imposed on you as a result.
           replacement Visa Debit Cards;
18                                                                                                                                      19
     21. Changes to Terms and Conditions of Use                            You expressly agree and authorise that Gateway may, from
     a. We reserve the right to change these Terms and                     time to time, exchange personal information as is necessary
        Conditions of Use from time to time.                               and relevant to the management of the Visa Debit Card and
                                                                           the efficient operation of the linked account.
     b. You will be notified by us in writing at least 30 Days
        before the effective date of change if it will:                    23. Miscellaneous

         (i) impose or increase any fees or charges for the Visa           a. You agree that you will promptly notify Gateway of any
             Debit Card;                                                      change of address for the mailing of any notifications
                                                                              which we are required to send to you.
        (ii) increase your liability for losses; or
                                                                           b. All statements and notices may be posted to you at your
        (iii) impose, remove or adjust daily or other periodic
                                                                              registered address as provided to us.
              transaction limits applying to the use of the Visa Debit
              Card, PIN, your linked account or Electronic Equipment.      c. If the Visa Debit Card is issued on a joint account, each
                                                                              party to that account is jointly and severally liable for all
        c. You will be notified of other changes no later than
                                                                              transactions on the Visa Debit Card.
           the day the change takes effect by advertisement in
           the national or local media, notice in a newsletter or          d. New cards ordered that are requested to be collected
           statement of account, or individual notice sent to you.            from the branch by the Member, must be collected
                                                                              within 14 days of the date received at the branch or the
        d. We are not obliged to give you advance notice if an
                                                                              card will be cancelled.
           immediate change to the Terms and Conditions of
           Use is deemed necessary for the security of the EFT             e. Cards that have not been activated within 30 days of the
           System or individual accounts.                                     ordered date will be cancelled by Gateway.

        e. When the Visa Debit Card is used after notification of           f. You are able to make withdrawals from, and deposits to,
           any such changes, you accept those changes and                     your linked Gateway account at any post office displaying
           use of the Visa Debit Card shall be subject to those               the Bank@Post logo by using your Gateway Visa Debit
           changes.                                                           Card. Cheque deposits made via Bank@Post are normally
                                                                              subject to a 5 working day clearance period. Interest on
     22. Privacy and Confidentiality
                                                                              all Australia Post deposits will accrue from the date the
     We may collect personal information about you for the                    deposit is received by Gateway.
     purposes of providing products and services to you. We

                                                                           Section 3: Terms and
     may disclose that personal information to others in order to
     execute any instructions, where it is reasonably considered
     necessary for the provision of the Visa Debit Card or the
     administration of your linked account, or if it is required by law.   Conditions of Use
     You may have access to the personal information we                    Verified by Visa
     hold about you at any time by contacting Gateway on                   (Effective 18 October 2010)
     1300 302 474 during business hours. Your Personal
     information will be dealt with in accordance with the Privacy         Important
     Act 1988 (Cth) and our privacy policy which can be found              The Verified by Visa service is designed to provide you with
     at www.gatewaycu.com.au. Any Personal Information                     improved security when your Visa card is used to make
     held by Gateway will be handled in compliance with                    a purchase online. We encourage you to join the growing
     Gateway’s privacy policy.                                             number of users who enjoy additional security by using the


20                                                                                                                                            21
     Verified by Visa service and by shopping at participating          online transaction using Verified by Visa.
     Verified by Visa online merchants.                                 “Verified by Visa” means the online transaction
     These Terms and Conditions of Use govern the Verified by           authentication service provided by us (or our nominated
     Visa service and form the agreement between you                   service provider).
     and us regarding the use of the service, so please read           “Visa card” means the Visa debit or credit card issued
     them carefully.                                                   to you (or an additional cardholder) by Gateway.
     To participate in the Verified by Visa program, you may         3. Application of Conditions of Use
     be asked to verify personal details held by Gateway in order
                                                                    These Terms and Conditions of Use apply to the Verified
     to complete the transaction. Should your Visa card have
                                                                    by Visa service and the Verified by Visa transactions
     been compromised in any way, please notify us immediately
                                                                    conducted on your account. In addition to these Terms and
     as you may be liable for unauthorised transactions.
                                                                    Conditions of Use, all other terms and conditions that apply
     We strongly recommend that you keep a copy of these            to your Visa card and account (“Account Terms”) still apply.
     Terms and Conditions of Use for your record and future         If there is any inconsistency between these Terms and
     reference. You can also obtain a copy of these Terms and       Conditions of Use and your Account Terms, your Account
     Conditions of Use by contacting us.                            Terms will apply to the extent of the inconsistency.
     1. Accepting These Terms and Conditions of Use                 4. Guidelines for Maintaining The Security of Your
     a. By completing or attempting to complete a Verified by           Visa Card
        Visa transaction, you are deemed to accept these Terms      a. Never lend your Visa card to anybody.
        and Conditions of Use.
                                                                    b. Use care to prevent anyone seeing the Visa card details
     b. You agree to be bound by these Terms and Conditions            being entered at the time of authentication.
        of Use each time you use Verified by Visa.
                                                                    c. Immediately report unauthorised use of the Visa card
     2. Definitions                                                     to Gateway.
     a. In these Terms and Conditions of Use:                       d. You should examine periodical statements of your
        “account” means your Visa card account.                        account immediately upon receiving them to identify and
        “account holder” means the person or persons in                report, as soon as possible, any instances where the
        whose name the account is held.                                Visa card has been used without your authority.

        “additional cardholder” means a person other                5. Using The Verified by Visa Service
        than the account holder who has been nominated by           a. You may use Verified by Visa to make purchases
        an account holder to operate the account by use of a           online. However, the Verified by Visa service may only
        Visa card.                                                     be available in connection with participating online
        “participating online merchant” means a retailer or            merchants.
        merchant who offers goods or services for sale online,      b. When making an online purchase or other transaction
        who is a participant in Verified by Visa.                       for which Verified by Visa applies, you may be asked
        “we”, “us” or “our” refers to Gateway Credit Union             to provide certain information to us that allows us
        (Gateway) being the credit union with whom you hold a          to validate your identity and verify that you are the
        Visa card account.                                             cardholder of the specified Visa card. The information
                                                                       that you provide may be validated against information
        “you”, “your” or “yours” means an account holder
                                                                       we hold about you and may be validated against
        (or an additional cardholder), as relevant, who makes an
                                                                       information held by third parties.
22                                                                                                                                 23
     c. If you are unable to provide the requested information         9. Participating Online Merchant
        to validate your identity, or if the information you provide   a. You will know that an online merchant is a participating
        is inaccurate or incomplete, or if the authentication             online merchant because you will see the Verified by Visa
        process otherwise fails, the merchant may not accept              logo and you may be asked to verify your identity before
        your Visa card or payment for that transaction and you            completing an online transaction with that merchant.
        may be unable to complete an online transaction using
                                                                       b. We do not endorse or recommend in any way any
        your Visa card.
                                                                          participating online merchant.
     d. In order to use Verified by Visa, you must have the
                                                                       c. Your correspondence or business dealings with, or
        equipment and software necessary to make a
                                                                          participation in promotions of, online stores through
        connection to the Internet.
                                                                          Verified by Visa, including payment for and delivery of
     e. In the event you have a question regarding the                    related goods or services not purchased via Verified
        authentication process or a transaction using your Visa           by Visa, and any other terms, conditions, warranties or
        card, you should contact us.                                      representations associated with such dealings, are solely
     6. Additional Cardholders                                            between you and the online store. Except as otherwise
     a. Additional cards for use by a person nominated by you             required by law, we have no responsibility or liability
        (nominee) other than for use by joint account holders, will       whatsoever arising out of or related to those dealings or
        not be available.                                                 the online store’s goods, services, acts or omissions.

     7. Privacy                                                        10. Exclusion of Liabilities

     a. We (or our nominated service provider) may collect             a. Subject to any warranty which is imported into these
        personal information about you for the purposes of                Terms and Conditions of Use by law and which cannot
        providing the Verified by Visa service to you.                     be excluded, the Verified by Visa service is provided by
                                                                          us “as is” without warranty of any kind, either express
     b. You authorise us to disclose personal information to
                                                                          or implied, including, but not limited to, any implied
        others in order to execute your instructions including,
                                                                          warranties of merchantability, fitness for a particular
        but not limited to, conducting the Verified by Visa service
                                                                          purpose, title or non-infringement.
        and investigating disputes or allegations of unauthorised
        transactions, or if it is required by law.                     b. We will not be liable for any damages whatsoever arising
                                                                          out of or in relation to:
     c. For more details of how your personal information is
        handled, please refer to our privacy policy,                      (i) your use of or access to (or inability to use or access)
        which can be viewed by accessing our website                          the Verified by Visa services; or
        www.gatewaycu.com.au or you can obtain a                          (ii) any other failure of performance, error, omission,
        copy by calling us.                                                    interruption or defect, or any loss or delay in
     8. Termination of Verified by Visa                                         transmission or a transaction.

     a. We may discontinue, terminate or suspend (permanently          c. If you are dissatisfied with any aspect of the Verified
        or temporarily) the Verified by Visa service, or any part          by Visa service, your sole and exclusive remedy is to
        of the Verified by Visa service, without giving you prior          terminate participation in the Verified by Visa transaction
        notice. We may also change any aspect or functionality            or service, as provided in these Terms and Conditions
        of the Verified by Visa service at any time without giving         of Use.
        you prior notice.


24                                                                                                                                       25
     11. Your Conduct                                                   12. Your Liability
     a. Whilst using the Verified by Visa service and Gateway’s          a. Your liability for unauthorised transactions is governed by
        Online Banking service, you agree not to:                          your Account Terms.
       (i) impersonate any person or entity using the Verified           b. If you breach these Terms and Conditions of Use, this
           by Visa authentication process;                                 may affect your liability for unauthorised transactions. If it
       (ii) upload, post, email or otherwise transmit any material         is determined that you have contributed to the loss, you
            that contains software viruses or any other computer           may be held liable for the transactions notwithstanding
            code, files or programs designed to interrupt, destroy          that they are unauthorised.
            or limit the functionality of any computer software or      c. If you suspect that your Visa card details have become
            hardware or telecommunications equipment used by               known to someone else or there is a security concern,
            the Verified by Visa service or by us;                          you must immediately notify us of such security
       (iii) spam or flood our Online Banking service and the               concern. If you delay in notifying us of the security
             Verified by Visa service;                                      concern after you knew or ought to have known of the
                                                                           security concern, you may be in breach of these Terms
       (iv) modify, adapt, sub-license, translate, sell, reverse
                                                                           and Conditions of Use and you may be liable for all
            engineer, decompile or disassemble any portion of
                                                                           transactions on the Visa card until notification occurs.
            the Verified by Visa service;
                                                                        d. For further details as to reporting a breach of card
       (v) remove any copyright, trademark, or other
                                                                           details, refer to your Account Terms.
           proprietary rights notices contained in the Verified by
           Visa service;                                                13. Errors

       (vi) “frame” or “mirror” any part of the Verified by Visa         If you believe a Verified by Visa transaction is wrong or
            service without our prior written authorisation;            unauthorised or a periodical statement contains any
                                                                        instances of unauthorised use or errors, you should contact
       (vii) use any robot, spider, site search/retrieval
                                                                        us immediately.
             application, or other manual or automatic device or
             process to retrieve, index, “data mine,” or in any way     14. Changes to Terms and Conditions of Use
             reproduce or circumvent the navigational structure or      We can change these Terms and Conditions of Use at any
             presentation of the Verified by Visa service;               time, and where we are required to do so under any law, we
       (viii) otherwise interfere with, or disrupt the Verified by       will notify you of these changes.
              Visa service or our Online Banking service or servers
              or networks connected to us or the Verified by Visa
              service or violate these Terms and Conditions of
              Use or any requirements, procedures, policies or
              regulations in relation to the Verified by Visa service;
              or
       (xi) intentionally or unintentionally violate any applicable
            local, state, national or international laws or
            regulations relevant or applicable to the Verified by
            Visa service.




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28
How to contact us




Web
www.gatewaycu.com.au

Email
memberservices@gatewaycu.com.au

Call
1300 302 474

Fax
02 9307 4299

Branch / Head office
Level 16, 2 Market Street
SYDNEY NSW 2000

Postal Address
GPO Box 3176
SYDNEY NSW 2001

Gateway Credit Union Ltd
ABN 47 087 650 093
AFSL 238293
GCUVDCTC1009

								
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