These Website terms of use (“Terms”) explain what happens when you visit our website.

Applicability of Terms

If you:

• visit; or
• access; or
• rely on

any material on our websites, you are bound by these Terms.

If you do not accept these Terms, you should not use our website.

Membership of the Bank

We do not accept any application for membership from a person who is not an Australian citizen or permanent resident of Australia. We reserve the right not to admit any person to membership. Please refer to our individual brand websites for membership eligibility criteria.

Products and services

Information on our website regarding products and services does not constitute an offer or inducement by us for these products and services.

Unless otherwise specified, the products and services described on our website are available only in Australia.¹

No reliance

Whilst we make every endeavour to ensure that the material on our website is accurate and up to date, we cannot always guarantee the accuracy or completeness of all our material. You must refer to specific information and material (for example, membership eligibility criteria, Financial Services Guide, product terms and conditions on our brand websites), before making any decision about applying for membership or any of our products and services.

Accessing our website from mobile devices

If you access our website from a mobile device, you may not be able to access the full range of functionality otherwise available. You must not make any application for membership, or apply for a product or service, until you have accessed all necessary information and material.

Website security

Your use of our website is at your own risk. We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted. You should therefore ensure that the way you access our websites does not expose your equipment to the risk of viruses or other forms of interference which may damage it.

Privacy

When you visit our website, we may collect personal information about you, particularly if, for example, you perform transactions via internet banking.

Our Privacy Framework sets out how we deal with personal information about you, both generally and in specific circumstances, such as lending. You can find out how we collect, hold, use and disclose personal information about you, as well as how you may complain if you think we may have breached your privacy.

Cookies

Cookies are small files placed on your computer hard drive when you first visit a website. They tell website owners when somebody returns to their website, how often someone visits the website and what they do while using it – for example, what pages they access, what functions they perform and so on.

In this way, cookies assist us to develop our website.

Personal information is not collected unless you leave personal details whilst using the web site. Cookies can enable you to personalise your website usage, as personal details can be stored and retrieved each time you visit.

We do not use external tracking companies to collect information about how you use our website.

Whilst you can configure your browser to reject cookies, most websites (including ours) require you to enable cookies in order to use the website.

We sometimes place banners or other advertisements on the websites of our business partners and affiliates. These can link through to our website. So that we can effectively monitor the effectiveness of these placements, our business partners and affiliates may use cookies to collect information such as the date and time of your visit. This information may then be given to us.

Social media

We use social media to keep our members, customers and followers informed about us and our activities.

If you access social media (including our pages) from our website, you leave our website. Social media providers have their own privacy policies and security levels, which we suggest you verify before using a site. We cannot and do not endorse any content (other than that created by us) which may be found on these sites.

We will never ask you via social media to provide any of your banking details.

Some of our brands have their own Facebook pages – read our community guidelines for Facebook.

Third party websites & products

As noted, we have a number of business partners and affiliated organisations.

Our website may contain links to their websites. With regard to our business partners and affiliates:

• their products and services and any software downloads are issued by or licensed to them; and
• we do not provide any guarantees or warranties regarding such products and services and other material provided by our business partners and affiliates.

We may receive commissions if you purchase products and services from our business partners and affiliated organisations.

Emails

We monitor the content of incoming emails for security purposes. We also monitor outgoing emails for quality assurance.

Availability

Whilst we strive to ensure that our website is always available, there may be times when it we cannot guarantee that:

• access will always be available; or
• access will be uninterrupted; or
• our website will be virus free.

If any time it appears to you that any functionality on our website is unavailable or malfunctioning, you must not proceed with any transaction.

No liability

Neither Teachers Mutual Bank Limited nor any of its agents, employees or staff is liable to you on any basis whatsoever for any loss, damage, liabilities or claims arising out of your use of our website.

Intellectual property

All material on our websites is subject to copyright or trade mark law. You must not reproduce or distribute any material in any form without our prior written consent.

Amending these Terms

We may amend these Terms at any time. The amended version will be published on our website.