• Manage your home loan, savings and everyday accounts online with myRAMS

  • Terms and Conditions and important information for myRAMS - Effective 6 July 2015

    You must read these terms and conditions before using myRAMS because you will be bound by them when you use myRAMS.

    1. About these terms and conditions
    Please read this document carefully.

    By setting up your access to myRAMS we are offering to provide you with the use of myRAMS under these terms and conditions. Your access to and use of myRAMS will be taken as your acceptance that you agree to be bound by these terms and conditions.

    These terms and conditions apply to your use of myRAMS. They apply as well as the terms of the loan agreement and the deposit terms and conditions and general information for any account you access using myRAMS. If there is an inconsistency between them, these terms and conditions prevail in respect of EFT transactions.

    The meaning of words printed like this and some other words with special meanings is given in clause 31 at the end of these terms and conditions.

    If you do not understand any part of these terms and conditions, or if you have any questions, please call RAMS Customer Service Team on 13 RAMS, that's 13 7267 (or +61 2 9647 6967 if outside Australia) during contact centre hours, or via email at myrams@rams.com.au.

    2. Accessing myRAMS

    2.1 Can you use myRAMS?
    You can use myRAMS if:

    you are an individual (not a body corporate);

    you do not hold the account in your capacity as a trustee; and

    you successfully register for myRAMS.

    2.2 Account
    An account is an account you have in your own name or a joint account you have (in respect of which we may act on the instructions of any one of the account holders), where the account is managed by RAMS and accessible using myRAMS.

    The following types of accounts are accessible using myRAMS:

    each home loan account established for recording transactions in connection with a home loan that was originated by RAMS,

    each RAMS deposit account, and

    any other account which we advise from time to time is accessible using myRAMS.

    If you successfully register for myRAMS, all the accounts under your customer ID number which are accessible accounts will be accessible using myRAMS.

    If the identity of an account holder or any of the signatories to an account is not verified in terms of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, the account will be blocked for all withdrawals, including withdrawals using myRAMS, until the identities of all account holders are verified.

    2.3 Password
    You require a password in order to transact using myRAMS.

    If you are a joint account holder, each account holder requires their own myRAMS Password.

    In selecting your myRAMS Password you must comply with clause 16.2.

    You must keep your myRAMS Password secret - see clause 16.

    After initial registration, first log in and completion of the new user process via a computer, you can simply log in to myRAMS (www.myrams.com.au) from a computer or a suitable mobile phone using your customer ID number and your myRAMS Password, and start transacting. See clause 16.1 for alternate ways you may be able to log in to myRAMS Mobile after you have logged in myRAMS Mobile using your customer ID number and your myRAMS Password.

    3. What does myRAMS offer?

    3.1 Using myRAMS from a computer
    If you access myRAMS from a computer, you can:

    Main Menu Item

    Sub Menu

    Description

    My Inbox

     

    View secure messages

    Account Menu

    My Balances

    View your account name, BSB and account number, current and available balances of all your accounts

    Transaction History

    View the transaction history on each of your accounts showing up to 18 months' activity on that account (limited to 200 transactions)

    Account Information

    View information about each of your accounts including product name, if your deposit account (if you have one) is linked to an eligible RAMS home loan for offset purposes, credit and debit interest rates, current and available balances, uncleared funds

    Export Transactions

    Export your transaction history to financial software packages including Quicken, MYOB, CSV

    My Interest Summary

    View account information including credit interest paid and any withholding tax deducted, debit interest charged, and the amount of interest saved on an eligible RAMS home loan as a result of an interest offset account for the current and previous financial year

    Bill Payments

    BPAY®

    Pay bills using BPAY (using the "Bill Payments" facility) (where the product allows access using BPAY)

    Schedule BPAY payments in advance of the actual payment or transfer date

    Manage Billers

    View the billers you have set up

    Future Payments

    View your scheduled BPAY payments and money transfers (where the product allows access using BPAY) with the ability to edit or delete them

    View BPAY History

    See a history of all your bill payments

    Transfers

    Transfer Money

    Transfer money to one of your own accounts or 3rd party accounts which you hold with another Australian financial institution

    Schedule money transfers in advance of the actual transfer date

    Manage Payees

    View the payees you have set up

    Create and save a new payee

    Future Transfers

    View your scheduled money transfers with the ability to edit or delete them

    View Transfer History

    See a history of all your money transfers

    Verify Identity

     

    Verify your identity (as part of the RAMS deposit account opening process)

    Statements

    View Statements

    See and print out your last 7 years' statements at no extra cost^

    Statement Options

    View your statement options for each of your accounts and opt-in for e-Statements

    Apply Online

     

    Apply for a RAMS deposit product online

    Security

    Change My Password

    Change your myRAMS Password

    My Online History

    View your online history

    SMS Security

    Register for SMS Security (see clause 7)

    Set Transfer Limit

    Change your daily transfer limit

    Settings

    My Details

    View and change your personal details

    My Account Settings

    Change your security questions and answers

    Name My Accounts

    Give a nickname to each of your accounts

    SMS Notifications

    Register for SMS Notifications (see clause 7)

    My SMS/Email History

    View your SMS and email history

    ^You can access your statements online for the past 7 years on RAMS deposit accounts opened on or after 12 May 2012. For all other accounts where you have elected to receive statements electronically, you can access statements online from the date you made that election (see clause 15).

    Note: if you have elected to receive statements in the mail, you will be unable to access these statements online.

    3.2 Using myRAMS on your mobile phone
    You can access myRAMS Mobile using certain mobile phones (if you a RAMS home loan customer, you must first complete the new user process using a computer).

    If you use myRAMS Mobile, you can:

    Main Menu Item

    Description

    My Balances

    View secure messages

    View your account name, BSB and account number, current and available balances of all your accounts

    View the transaction history on each of your accounts (limited to 200 transactions)

    BPAY/Make a payment

    Pay bills using BPAY (using the "Bill Payments" facility) (where the product allows access using BPAY)

    Schedule BPAY payments in advance of the actual payment or transfer date

    View the Billers you have set up

    View your scheduled BPAY payments and money transfers (where the product allows access using BPAY).

    Pay anyone and Transfer to my Accounts

    Transfer money to one of your own accounts or 3rd party accounts which you hold with another Australian financial institution

    Schedule money transfers in advance of the actual transfer date

    View the payees you have set up

    Create and save a new payee

    View your scheduled money transfers

    Security

    Change your myRAMS Password

    Change your myRAMS Mobile PIN

    Set up fingerprint log in (on iOS devices only)

    3.3 Accessing your available redraw using myRAMS

    If you use myRAMS, then, for the purposes of the loan agreement under which any account was established:

    we authorise you to access your available redraw under that loan agreement by means of myRAMS, and

    you agree that a payment or transfer made from an account using myRAMS constitutes you accessing available redraw under that loan agreement.

    3.4 Restrictions
    The activities and features set out in clauses 3.1 and 3.2 are all subject to these terms and conditions - for example, there are limits on the values of transactions that may be made using myRAMS (see clause 8).

    myRAMS does not permit money transfers or BPAY payments to credit card accounts or to certain payees and Billers.

    You warrant that your use of myRAMS will not breach any law of Australia or any other country.

    4. Transferring money

    You can transfer money using the "Transfers" facility.

    To make the transfer, you must enter the information required. This may include the following details:

    BSB number of the account to which the transfer is to be made

    account number of the account to which the transfer is to be made

    account name of the account to which the transfer is to be made

    the amount to transfer

    a short description of the transaction (which will appear on your account statement and the account statement of the other financial institution)

    the account to be debited for the payment, and

    the first and last transfer dates and the transfer frequency (for transfers being scheduled using the "Transfer Later" option).

    We need not process your transaction if this information is incomplete or if the transaction would not comply with a provision of this agreement - for example, the limits under clause 8.

    We only use the BSB and account number to process money transfers. Please carefully check the details you have entered before confirming a transaction as we do not check the account name you provide. Sometimes, the financial institution receiving the funds may check the account name and reject the transfer if the account name is incorrect. However, neither we nor the receiving financial institution are obliged to check the account name.

    We do not verify account details for any third party accounts. For this reason, please be careful when sending funds to third party accounts, and as a matter of course, check your transaction lists regularly.

    We cannot reverse transactions you make in error, either to RAMS or non-RAMS accounts. Should an amount sent by you in error not be returned automatically by the receiving financial institution, it may not be recoverable at all.

    5. Paying bills using BPAY

    5.1 How BPAY works
    Not all RAMS accounts allow access using BPAY. Check the terms and conditions of your account to see whether BPAY is available on your account type.

    We are a member of the BPAY Scheme. The BPAY Scheme is an electronic payments scheme through which you can ask us to make payments on your behalf to organisations (Billers) who tell you that you can make payments to them through the BPAY Scheme (BPAY Payments). We will tell you if we are no longer a member of the BPAY Scheme. For the purposes of the BPAY Scheme, we may also be a Biller.

    Bill payment transactions which you make using the "Pay Bills" facility are processed through the BPAY Scheme. Bills which you can pay in this way display the BPAY logo and Biller reference details as well as the types of accounts the Biller accepts payment from (for example, cheque or savings).

    When you see the BPAY symbol on a bill, you can pay that bill through myRAMS. It's a simple and convenient way to pay your bills. All you need is your bill - then simply access myRAMS. By using BPAY you will be able to:

    pay bills 24 hours a day, 7 days a week

    schedule future-dated bill payments

    choose which account to use to pay a bill

    obtain a receipt number

    To make a BPAY payment, you must enter the following information:

    the Biller code

    the Biller customer reference number

    the amount to pay

    a short description of the transaction (which will appear on your account statement)

    the account to be debited for the payment, and

    the first and last payment dates and the payment frequency (for payments being scheduled using the "Pay Later" option).

    We then debit the relevant account with the amount of that BPAY payment.

    However, we need not process your transaction if this information is incomplete or if the transaction would not comply with a provision of this agreement - for example, the limits under clause 8.

    You must comply with the terms and conditions applying to the account to which you request us to debit a BPAY payment, to the extent that those account terms are not inconsistent with or expressly overridden by the BPAY provisions set out in these terms and conditions. The BPAY provisions set out in these terms and conditions are in addition to those terms.

    If in relation to your use of BPAY there is any inconsistency between your account and the BPAY provisions set out in these terms and conditions, or an inconsistency between other myRAMS provisions and the BPAY provisions in these terms and conditions, the BPAY provisions will apply to the extent of the inconsistency.

    Please carefully check the payment amount and Biller details you have entered before confirming a transaction as mistakes cannot always be rectified - see clause 11.

    5.2 Individual Biller payment requirements

    Individual Billers may have their own payment requirements. If you attempt to make a BPAY payment to a Biller that does not satisfy their Biller requirements, you will receive an error message (we do not determine the Bill requirements and cannot identify these before you make your payment). Individual Biller payment requirements include:

    Billers who will only receive payment of the exact amount owing.

    Billers who only receive payment prior to or on the expiry date of the bill.

    Billers who only receive payment for the exact amount owing and prior to or on the expiry date of the bill.

    Billers who receive payment of any amount, on any date, including a date prior to, on or after the expiry date of the bill.

    5.3 You indemnify us
    Subject to clause 12, clause 17 and the ePayments Code, you indemnify us against any loss or damage we suffer or may suffer as a result of any claim, demand or action brought against us, directly or indirectly because you acted negligently or fraudulently in connection with the provisions of this agreement relating to bill payments or BPAY.

    5.4 Mistaken payments by others

    You acknowledge that if a Biller receives a wrong or mistaken payment from another person it does not under any circumstances constitute part or full satisfaction of any debt that you owe to that Biller.

    6. Scheduling BPAY payments or money transfers using the "Pay Later" and "Transfer Later" facilities

    The "Pay Later" and "Transfer Later" options enable you to schedule a money transfer or BPAY payment for a later date (or a series of recurring money transfers or BPAY payments for later dates). Cleared funds must be available in the account the day before the payment is made and remain in the account until the payment is made. When scheduling multiple payments and choosing an end date, please note that the 'Last Payment Date' is the date your scheduled payments will expire, and no payment will be processed on or after this date. Please take this into consideration when setting up the date of your last scheduled transfer as the end date is the first date on which the payment will not be made.

    7. SMS Security and SMS Notifications

    7.1 What is SMS Security?
    SMS Security gives extra protection when you use myRAMS to:

    make certain BPAY payments to a new Biller;

    make certain money transfers to a new payee;

    de-register from SMS Security;

    view and change your personal details or account settings;

    change your password; or

    change your daily transfer limit.

    If you have a RAMS deposit account, you are automatically registered for SMS Security on all your RAMS accounts. You cannot opt-out of SMS Security while you have a RAMS deposit account.

    7.2 How does SMS Security work?
    If you are registered for SMS Security, then when you:

    make your first BPAY payment or money transfer to a new Biller or payee; or

    view or change your personal details or account settings; or

    change your password; or

    de-register from SMS Security; or

    change your daily transfer limit

    we try (without any legal obligation) to send a security code by SMS to your nominated mobile phone number. You then enter the code as part of the process in order to confirm the transaction or change. We send a new security code for each transaction - the security code is valid only for that transaction and you do not need to memorise it for future use.

    If you no longer have access to your nominated mobile phone number, for security reasons you can only change the mobile number by calling 13 RAMS, that's 13 7267 during contact centre hours.

    If you are registered for SMS Security, your daily limit for transactions is higher (see clause 8.2) and your liability under clause 18 may be correspondingly higher.

    If you are not registered for SMS Security, you will not be able to:

    make a BPAY payment or money transfer to a new Biller or payee; or

    view or change your personal details or account settings; or

    change your password; or

    change your daily transfer limit.

    7.3 What is SMS Notifications?
    SMS Notifications is an alerts service which gives extra protection when you are registered for myRAMS as it may potentially alert you to unauthorised transactions on your account using myRAMS.

    7.4 How does SMS Notifications work?
    If you are registered for SMS Notifications then, each time there is a myRAMS transaction for a BPAY payment or money transfer from your account which is above the threshold amount nominated by you, we try (without any legal obligation) to send an SMS message to your nominated mobile phone number confirming the transaction.

    However, the SMS Notifications service does not apply to scheduled BPAY payments or money transfers using the "Pay Later" or "Transfer Later" options, or to the crediting or debiting of interest to your account - we do not send an SMS message when such payments or transfers are made.

    7.5 Registering for SMS Security or SMS Notifications
    You may register by using the "SMS Security" facility or the "SMS Notifications" facility on myRAMS and entering the information required by the myRAMS prompts or by calling the RAMS Customer Service Team on 13 RAMS, that's 13 7267 during contact centre hours and providing the required information.

    The required information will include the mobile phone number to which the security codes or SMS confirmations are to be sent. You should update this information as necessary - such as if you change your mobile phone number. If you do not provide us with your correct mobile phone number, you may not receive the security codes or SMS confirmations.

    If you do not hold a RAMS deposit account, you may de-register from SMS Security at any time using myRAMS or by calling the RAMS Customer Service Team on 13 RAMS, that's 13 7267. You cannot de-register from SMS Security while you hold a RAMS deposit account. If you de-register from SMS Security you will no longer be able to perform certain functions - see clause 7.2 for more information.

    You may de-register from SMS Notifications at any time using myRAMS.

    8. Limits for money transfers and BPAY payments

    8.1 Available redraw
    For home loan accounts, each money transfer or BPAY payment (including a scheduled transfer or payment) is limited to theavailable redraw on the account from which the transfer or payment is being made.

    Generally, the available redraw for these purposes is measured at the time we process the transaction. Therefore, on any day for which a transaction has been scheduled, you should ensure you have sufficient available redraw to cover that scheduled transaction.

    Available funds

    For deposit accounts, each money transfer or BPAY payment (including a scheduled transfer or payment) is limited to the cleared funds in the account from which the transfer or payment is being made.

    Generally, the cleared funds for these purposes are measured at the time we process the transaction. Therefore, on any day for which a transaction has been scheduled, you should ensure you have sufficient cleared funds to cover that scheduled transaction.

    8.2 Daily limit
    The aggregate of all payments and transfers made from all of your accounts on a day using myRAMS (including payments and transfers scheduled to be made on that day) must not exceed the relevant daily limit. If you are registered for SMS Security, you can nominate your daily limit to be $1,000, $2,000, $5,000 or $10,000, and change your daily limit at any time.

    If you are not registered for SMS Security your daily limit is $1,000. If you subsequently register for SMS Security your daily limit will default to $5,000 unless you nominate a different daily limit.

    However, any transfer from one of your accounts to another of your accounts does not count for the purposes of the daily limit - you may transfer amounts between your own accounts without limit as long as each transfer complies with clause 8.1.

    For the purposes of the daily limit, a day ends at midnight.

    Please note: Any scheduled transfers and or scheduled bill payments (BPAY) set-up prior to you reducing your daily limit, will be processed as long as there are sufficient available funds held in your account. If after reducing your daily limit you want all scheduled payments (set-up prior to the daily limit change) to fall within your new daily limit, you will need to change the amount of each scheduled transfer or bill payment via myRAMS.

    Billers may impose additional limits on BPAY payments.

    8.3 You are responsible for keeping to the limits
    You must make sure that any transaction you make using myRAMS (including a scheduled transaction) is within these limits. If a transaction would result in a limit being exceeded, we may not process that transaction at all (that is, we do not process part of a transaction) and you will need to re-submit the transaction.

    9. When are transactions processed?

    9.1 Processing times
    When you make a transaction using myRAMS, you are requesting us to process that transaction for you.

    We process transactions subject to these terms and conditions. We do not guarantee processing times - however, the following processing times generally apply if you make a transaction and it includes complete and accurate details.

    If you make a money transfer to a 3rd party RAMS account or to an external institution before 4pm on any banking day then, generally, it is processed, or treated as having been processed, on that day. If you make a money transfer to a 3rd party RAMS account or to an external institution after 4pm on a banking day or on a day which is not a banking day, it is generally processed, or treated as having been processed, on the next banking day. In addition, it generally takes at least 1 banking day for a transfer to be received by the payee - this period may be affected by the conduct of the receiving financial institution (for which we are not responsible).

    If you make a money transfer to one of your own accounts, the transfer will be processed immediately.

    If you make a BPAY payment before 4pm on any banking day then, generally, it is processed, or treated as having been received by the relevant Biller, on that day. If you make the payment after 4pm or on a day which is not a banking day, it is generally received or treated as having been received by the relevant Biller on the next banking day. However, BPAY payment processing may be delayed (generally by one banking day but potentially longer) if payment is made on the day before a bank or public holiday or if another financial institution in the BPAY scheme, or the Biller, does not process the BPAY payment as soon as they receive its details.

    If you make more than one transaction using myRAMS within a processing day, we may determine the order of processing those transactions.

    9.2 Scheduled transactions
    A transaction that is scheduled for a banking day is generally processed, or treated as having been processed, on that day. If the date for a scheduled transaction is not a banking day, it is generally processed, or treated as having been processed, on the next banking day.

    We recommend that, after the due date for a scheduled transaction, you check to ensure it was processed.

    If a transaction is scheduled for a date after your use of myRAMS is terminated, the transaction will not be processed.

    9.3 If a transaction cannot be processed by the recipient
    If we are advised that:

    a BPAY payment cannot be processed by a Biller, or

    a money transfer cannot be processed by the receiving financial institution,

    we credit the relevant account with the amount of the BPAY payment or money transfer. We will not notify you.

    9.4 Transactions may not always be processed by us

    We may suspend or deny your access to myRAMS, delay in processing a transaction or refuse to process a transaction in the following circumstances:

    if we suspect fraudulent use

    if your accounts are closed

    to comply with our regulatory and compliance obligations (including under anti money laundering, counter terrorism financing and other laws)

    to comply with a court order (or similar requirement)

    if you materially breach these terms and conditions or become bankrupt, or

    if we consider a security issue has arisen which needs further investigation (for example, where an incorrect password is entered on three consecutive occasions).

    10 Can you stop or alter a transaction?

    10.1 Scheduled transactions
    You may stop or alter a scheduled BPAY payment before 4pm on the day before the date for which the payment is scheduled by cancelling or altering the scheduled BPAY payment within myRAMS.

    You may stop or alter a scheduled money transfer by instructing us:

    if you established the scheduled transfer via myRAMS:

    by midnight on the day before the payment is scheduled by cancelling or altering the scheduled money transfer within myRAMS: or

    by 11pm on the day before the payment is scheduled by contacting 13 RAMS, that's 13 7267 (or +61 2 9647 6967 if outside Australia) during contact centre hours.

    if you established the scheduled transfer over the phone:

    by 11pm on the day before the payment is scheduled by contacting 13 RAMS, that's 13 7267 (or +61 2 9647 6967 if outside Australia) during contact centre hours.

    After these times, you cannot stop or alter a scheduled transaction.

    You may stop or alter a scheduled money transfer by instructing us:

    if you established the scheduled transfer via myRAMS:

    by midnight (Sydney time) on the day before the date for which the payment is scheduled by cancelling or altering the scheduled money transfer within myRAMS: or

    by 11pm (Sydney time) on the day before the date for which the payment is scheduled by contacting 13 RAMS, that's 13 7267 (or +61 2 9647 6967 if outside Australia) during contact centre hours.

    if you established the scheduled transfer over the phone:

    by 11pm (Sydney time) on the day before the date for which the payment is scheduled by contacting 13 RAMS, that's 13 7267 (or +61 2 9647 6967 if outside Australia) during contact centre hours.

    After these times, you cannot stop or alter a scheduled transaction.

    10.2 "Pay Now" or "Transfer Now" transactions
    Once you have made a money transfer or BPAY payment using the "Transfer Now" or "Pay Now" facilities, you cannot stop or alter that transaction.

    11. If you make a mistake
    If you make a mistake in a myRAMS transaction, contact us as soon as possible on 13 RAMS, that's 13 7267 during contact centre hours giving full details so we can find the transaction and take action.

    If you make a mistake in a BPAY payment using myRAMS:

    by paying too little, you can make another BPAY payment, using the "Pay Now" facility, to cover the shortfall

    by paying too much or paying someone other than the Biller you intended to pay, we try to recover the excess or wrong payment from the recipient but, if we are not successful within 20 banking days, you are liable for the unrecovered amount (however, you may then liaise directly with the receiving Biller to try to correct the error), or

    because you are fraudulently induced to make the BPAY payment, either the recipient must refund the payment, or, to the extent it does not, any other person in the BPAY scheme who should reasonably have been aware of the fraud must refund the payment. Failing this, you are liable for the payment.

    The longer you delay between making a wrong BPAY payment and telling us about it, the more difficult it may be to correct the mistake - for example, because relevant records or information may have been deleted. In this case, you may need to rely on your own records to show that an error has occurred.

    You may need to help us to try to recover a wrong or fraudulent payment - see clause 13.

    12. If we make a mistake or myRAMS malfunctions
    If we process a money transfer or BPAY payment other than in accordance with the transaction you made using myRAMS - such as if we make the transfer or payment to the wrong person or for an amount more than you specified - and we debit youraccount accordingly, we will credit that transfer or payment (or the amount of the excess transfer or payment) (and any related interest, fees and charges) to your account.

    If myRAMS accepts your instructions for a transaction but fails to process the transaction due to a malfunction, we are liable for any damage you suffer as a result. However, if you knew (or should have known) that myRAMS was unavailable for use or malfunctioned when you confirmed the transaction, then our liability is limited to correcting any errors in your account and refunding any associated charges or fees.

    Also, see clause 21 for limits on our liability if you do not receive an SMS while registered for SMS Notifications or SMS Security.

    13. We may need information from you
    If you tell us that a BPAY payment made from your account using myRAMS is unauthorised or was made to the wrong Biller (whether because we made a mistake in processing or because you entered the wrong Biller details), you must give us a written consent document. The consent must be addressed to the Biller that received the BPAY payment and must consent to that Biller disclosing to us or RAMS information about your account with that Biller or the BPAY payment, including your customer reference number and any other information we reasonably require to investigate or try to correct the BPAY payment. (If you do not give this consent, the Biller may be prohibited by law from disclosing the necessary information.)

    If we consider it necessary for us to meet our regulatory and compliance obligations, you must provide us with any information we reasonably request.

    14. Valid transactions and receipts

    14.1 Valid transactions
    Subject to clause 12, clause 18 and the ePayments Code, we treat any transaction made on an account using myRAMS as authorised by you if your customer ID number and myRAMS Password have been used to access myRAMS.

    Our records will be evidence of your dealings with us in connection with myRAMS unless they are obviously wrong or you demonstrate that they are wrong.

    14.2 Receipts
    myRAMS produces a confirmation receipt on your screen for each transaction when it is made (other than a scheduled transaction). You should print this out or make a note of the receipt number, in case you have a later query regarding the transaction. You should also check the receipt and notify us of any error as soon as possible by calling 13 RAMS, that's 13 7267 during contact centre hours. Even though the receipt may be produced when you make the transaction, this does not affect the transaction processing time (which is described in clause 9).

    14.3 Check your statements and notify errors promptly
    You should carefully check each account record and statement when you receive it and notify us as soon as possible of:

    any error or delay in processing a BPAY payment or other transaction made from your account using myRAMS, or

    any such payment or transaction which is unauthorised.

    You can notify us, or query any entry on your statement, by calling 13 RAMS, that's 13 7267 during contact centre hours.

    15. Statements

    Statements on RAMS deposit accounts are automatically provided via myRAMS. You can elect to receive statements on your other RAMS accounts via myRAMS, instead of having paper statements mailed to you. You may be able to make this election, on an account-by-account basis, via myRAMS. If you do so, you will stop receiving paper statements on the nominated account(s). However, you may elect to revert to paper statements at any time. You can do this by calling 13 RAMS, that's 13 7267 during contact centre hours.

    We will send you an email notification to your nominated email address, advising you that your statement is available via myRAMS. It is your responsibility to check your email regularly for these notifications and to access your statement promptly following receipt of our email. You must also keep your nominated email address current and inform us if you are not able to access either your email or myRAMS for any reason. You cannot opt out of receiving these notifications; however you can vary your nominated email address for receipt of them at any time.

    If you do not keep your email address current, we will be unable to send you email notifications.

    16. myRAMS Access Codes

    16.1 Security measures
    Your Access Codes, including customer ID number and myRAMS Password, allow anybody using them to conduct operations on an account and we are authorised by you to permit such access. Because of this you must take special care to protect your Access Codes.

    If you access myRAMS Mobile, you can access your myRAMS Mobile using your customer ID and myRAMS Password. You may be given the opportunity to select a myRAMS Mobile PIN or choose to use the fingerprints you store on your mobile phone for accessing myRAMS Mobile through your mobile phone. Selecting a myRAMS Mobile PIN or selecting to use the stored fingerprint(s) to log into myRAMS Mobile are alternatives to entering your myRAMS Password each time.

    Fingerprint login is only available on iOS mobile phone devices. You will not be given the opportunity to register for fingerprint login unless you have a home screen lock on your mobile phone and there is at least one fingerprint stored on your mobile phone. If you wish to use the fingerprint sensor in connection with myRAMS Mobile, you should ensure that only your fingerprints are stored on your mobile phone, as activating fingerprint login means that any fingerprint saved on your phone, now or in the future, can access myRAMS. Only set up fingerprint login if no-one else has added their fingerprints to your mobile phone. Each time fingerprint login is registered on the mobile phone to authorise transactions through myRAMS Mobile, you instruct us to act on these instructions.

    If you have chosen to use a myRAMS Mobile PIN on one mobile phone and you want to use a myRAMS Mobile PIN on other mobile phones, you will be required to use the same myRAMS Mobile PIN across all those mobile phones.

    You must keep your myRAMS Password or myRAMS Mobile PIN secure and take steps to prevent unauthorised use of it or unauthorised access to myRAMS.

    The following security measures for your myRAMS Password or myRAMS Mobile PIN are important. However, they do not of themselves determine your liability for losses resulting from unauthorised transactions made using myRAMS - liability for any such losses is determined in accordance with clause 18.

    16.2 Selecting your myRAMS Password
    You may be required to change your myRAMS Password on initial access to myRAMS. You should also periodically change your myRAMS Password and your myRAMS Mobile PIN if you have chosen to establish one.

    You may change your myRAMS Password by using the "Change Password" facility on myRAMS.
    When setting your myRAMS Password you:

    must use between 8 and 30 characters including at least one upper case letter and one number

    must not select a password which reflects your

    name

    birth date

    car registration

    telephone number

    postcode

    licence number, or

    government benefit number

     

    or those of any member of your family, and

    must not select a password with a simple pattern - for example, A1234567 and 1ABCDEFG and similar should not be used.

    • You may change your myRAMS Mobile PIN by tapping on the “Change PIN” button on the home screen of the myRAMS app.

     

    16.3 Protecting your Access Codes
    To protect your myRAMS Access Codes you must:

    not tell them or show them to anyone (not even family or friends, RAMS staff (see below) or people in authority, such as police officers) nor allow them to be used or seen by any person

    not record them on the computer or other equipment that you use to access myRAMS

    not keep a record of your myRAMS Password or myRAMS Mobile PIN unless it is disguised so that it cannot be deciphered by anyone else (see clause 16.4)

    not keep the disguised record of your myRAMS Password or myRAMS Mobile PIN together with your customer ID number on one item or separately on items which are liable to be lost or stolen together (for example in a bag, wallet, car or desk drawer), and

    not tell your myRAMS Password or myRAMS Mobile PIN to anyone who claims to represent us or RAMS (for example, RAMS never asks you for that information by phone or email).

    When accessing myRAMS, you must:

    take care to prevent anyone else seeing your Access Codes as you enter them into the computer, other electronic equipment or mobile phone

    not leave the computer or mobile phone unattended while you are logged in to myRAMS

    shut down all browser windows used to access myRAMS, log out when you have finished and ensure that the "back" function cannot be used to trace your activities, and

    ensure the computer or mobile phone is free from viruses and password recording programmes.

    As you cannot be sure of the virus protection on a public computer - such as at an airport, café or library - you must not access myRAMS using a public computer.
    You are responsible for your computer's anti-virus and security measures and for maintaining your own computer or mobile phone so that you can access myRAMS.

    16.4 Can you make a note of your myRAMS Password or myRAMS Mobile PIN?
    If you need a memory aid to recall your myRAMS Password or myRAMS Mobile PIN, you may keep a record of it as long as that record is reasonably disguised so that someone else cannot easily work it out.

    We do not consider the following as reasonably disguising the password (and you agree not to record it in any of these ways):

    reversing the sequence

    noting it as a telephone number where no other telephone numbers are stored

    noting it as a telephone number, postcode, date or amount with the password numbers or letters in their correct sequence within the number

    labelling the disguised record as your "Online Password", "RAMS Password", RAMS PIN” or anything similar

    using a simple code of changing letters to numbers or numbers to letters (for example A=1, B=2, C=3 etc)

    recording it as a series of numbers or letters with any of them marked to indicate the password

    storing it in a low security electronic device, for example, a mobile phone, electronic organiser or personal computer.

    16.5 We may cancel your myRAMS Password or myRAMS Mobile PIN
    We may cancel your myRAMS Password or myRAMS Mobile PIN without notice as part of our security procedures, if we reasonably believe it is being misused.

    If you have chosen to use myRAMS Mobile PIN or fingerprint login, and you enter your myRAMS Mobile PIN incorrectly, or myRAMS Mobile does not recognise the fingerprint used, 3 times, you will be deregistered from using your myRAMS Mobile PIN or fingerprint login, however you will still be able to enter your customer ID and myRAMS Password. Once you successfully log back in using your customer ID and myRAMS Password, you can reregister for myRAMS Mobile PIN or fingerprint login immediately if you wish.

    If you enter your customer ID or myRAMS Password incorrectly on 3 consecutive occasions, your myRAMS access privileges may be suspended and you will be unable to obtain access to myRAMS. If this occurs, please contact 13 RAMS, that's 13 7267 during contact centre hours.

    16.6 You must not interfere

    You agree not to interfere with or damage any customer ID number, password, data or software associated with myRAMS (or attempt to do so).

    17. What if your myRAMS Password or myRAMS Mobile PIN is lost, stolen, misused or revealed?
    You must tell us as soon as possible if you know or suspect that the security of your myRAMS Password or myRAMS Mobile PIN has been breached - such as if it is lost or stolen or someone else knows it, or has made unauthorised use of it to access myRAMS - otherwise, you may be liable for unauthorised use - see clause 18.

    To notify us, call 13 RAMS, that's 13 7267 (or +61 2 9647 6967 if outside Australia) during contact centre hours providing details of how the security breach occurred. We will give you a reference number that verifies the date and time you contacted us. We will then cancel your myRAMS Password or myRAMS Mobile PIN and issue you with a new myRAMS Password. This replacement myRAMS Password is valid only for 10 minutes. You will need to log into myRAMS with your customer ID and replacement myRAMS Password, and change the replacement myRAMS Password to a new myRAMS Password of your choice within that time, in order to keep using myRAMS. (You can only do this by logging in from a computer as you cannot change your myRAMS Password if you access myRAMS using your mobile phone.) Once you have changed your myRAMS Password, you may reregister for myRAMS Mobile PIN or fingerprint login for your mobile phone after you have logged into myRAMS with your customer ID and myRAMS Password on your mobile phone, if you wish.

    If you cannot notify us because the phone line is unavailable, then, despite anything in clause 18, you are not liable for any unauthorised transaction that could have been prevented if you had been able to tell us, provided you tell us within a reasonable time after the phone line becomes available again.

    18. Liability for unauthorised transactions

    18.1 What is an unauthorised transaction?
    An unauthorised transaction is a transaction made using myRAMS which is neither made by you nor made by someone else with your knowledge and consent.

    18.2 When you are not liable or are only liable up to $150
    You are not liable for any loss resulting from an unauthorised transaction made using myRAMS:

    if it is clear that you have not contributed to the loss

    if the transaction occurs before you receive your myRAMS Password

    if the transaction occurs after you notify RAMS that your myRAMS Password has been misused, lost, stolen or become known to someone else

    that is caused by the fraudulent or negligent action of RAMS, its employees or agents or companies involved in any relevant networking arrangements

    that is caused by our fraudulent or negligent actions, or those of our employees or agents

    that relates to a component (such as a myRAMS Password or customer ID number) which is expired, cancelled, faulty or forged, or

    that is caused by the same transaction being incorrectly debited more than once to the same account.

    Otherwise, your liability for unauthorised myRAMS transactions is normally limited to:

    $150

    the available redraw of the accounts on which the unauthorised transactions were made on the days on which they were made, or

    the actual loss incurred before you notify us under clause 17 (up to the daily limit),
    whichever is the smallest amount.

    18.3 When you may be more liable
    If we prove (on the balance of probabilities) that you have contributed to the losses from unauthorised transactions by:

    voluntarily disclosing both your customer ID number and myRAMS Password; or myRAMS Mobile PIN to anyone, including a family member or friend

    voluntarily disclosing your myRAMS Password or myRAMS Mobile PIN to anyone (including a family member or friend) where we prove, on the balance of probabilities, this was more than 50% responsible for the losses

    keeping a record of your customer ID number and myRAMS Password or myRAMS Mobile PIN (without making any reasonable attempt to disguise them) on one item or separately but on items that are liable to be lost or stolen together

    selecting a myRAMS Password or myRAMS Mobile PIN which represents your birth date or an alphabetical code which is a recognisable part of your name immediately after you were specifically instructed not to select such a myRAMS Password or myRAMS Mobile PIN and were warned of the consequences of doing so

    acting with extreme carelessness in failing to protect the security of your myRAMS Password or myRAMS Mobile PIN, or

    being fraudulent,

    then you are liable for the actual losses incurred up to the time you notify us that the security of your myRAMS Password or myRAMS Mobile PIN has been breached or that you suspect an unauthorised transaction.

    Also, if we prove (on the balance of probabilities) that you have contributed to the losses from unauthorised transactions by unreasonably delaying in notifying us, then you will be liable for any losses incurred in the period between when you became aware (or should reasonably have become aware) of the security breach and when you actually notified us, if those losses could have been prevented by prompt notification.

    However, in each case under this clause 18.3, you are not liable for losses to the extent that they:

    exceed the available redraw of an account on the days the unauthorised transactions were made

    exceed on any one day the daily limit; or

    relate to accounts that you and we had not agreed to be accessible using myRAMS.

    18.4 ePayments Code limit on your liability
    Despite anything else in these terms and conditions, your liability for unauthorised transactions is not more than your liability under the ePayments Code.

    19 Mistaken internet payments

    This clause 19 does not apply to BPAY payments.

    19.1 Reporting mistaken internet payments

    You should report mistaken internet payments to us as soon as possible after you become aware of them. You can reportmistaken internet payments to us by:

    calling us on 13 RAMS, that's 13 7267 if calling within Australia during contact centre hours

    calling us on +61 2 9647 6967 if calling outside Australia during contact centre hours

    completing the form available on myRAMS if within Australia or overseas

    We will acknowledge receipt of your report and update your records with the date and time you made the report.

    19.2 Dealing with mistaken internet payments

    Mistaken internet payments will be dealt with by us in accordance with the ePayments Code, where the ePayments Code applies to the payment. Clauses 19.3 and 19.4 provide a summary of the processes in the ePayments Code.

    We may be the sending institution, namely the financial institution whose customer made the payment or the receiving institution, namely the financial institution whose customer received the payment (this customer is the unintended recipient of the payment). We will be the sending institution where the payment is made from your account. We will be the receiving institution where the payment is made to your account.

    Where a financial institution other than us is the receiving or sending financial institution, we cannot guarantee that it will follow the processes in the ePayments Code. A financial institution is unlikely to follow these processes if it is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). We are not liable for any loss suffered if it does not follow those processes.

    Where the sending institution is not satisfied that a payment is a mistaken internet payment, it is not required to take any further action.

    Notwithstanding anything set out below, where the unintended recipient of the mistaken internet payment is receiving income support payments from Centrelink, the receiving institution must recover funds from that recipient in accordance with the Code of Operation for Centrelink Direct Credit Payments.

    Where you or another financial institution advises us that you are, or we think you may be, the sender or recipient of a mistaken internet payment, you must give us, as soon as reasonably practicable and within the time we request, any information we reasonably require to enable us to determine whether the payment was a mistaken internet payment.

    19.3 Where sufficient funds are available in the unintended recipient's account

    Where the sending institution is satisfied that the mistaken internet payment occurred and there are sufficient credit funds available in the account of the unintended recipient to the value of the mistaken internet payment, the process that will apply will depend upon when the report of the mistaken internet payment is made:

    Where the report is made within 10 business days of the payment:

    if the receiving institution is satisfied that a mistaken internet payment has occurred, it will return the funds to the sending institution within 5 business days of the request or any reasonably longer period up to a maximum of 10 business days.

    Where the report is made between 10 business days and 7 months of the payment:

    the receiving institution will investigate the payment and complete the investigation within 10 business days of receiving a request;

    if the receiving institution is satisfied that a mistaken internet payment has occurred, it will prevent the unintended recipient from withdrawing the funds for a further 10 business days and notify the unintended recipient that they will withdraw the funds if that recipient does not establish that they are entitled to the funds within that 10 day period.

    If the unintended recipient does not establish they are entitled to the funds within that time, the receiving institution will return the funds to the sending institution within 2 business days of the end of that period.

    Where the report is made after 7 months of payment:

    If the receiving institution is satisfied a mistaken internet payment has occurred, it must seek the consent of the unintended recipient to return the funds.

    In each case where the receiving institution is not satisfied that a mistaken internet payment has occurred, it may (but is not required to) seek the consent of the unintended recipient to return the funds.

    Where the funds are returned to the sending institution, it will return the funds to the holder as soon as practicable.

    19.4 Where sufficient funds are not available

    Where both the sending and the receiving institution are satisfied that a mistaken internet payment has occurred but there are not sufficient credit funds available in the account of the unintended recipient, the receiving institution will use reasonable endeavours to recover the funds from the unintended recipient.

    19.5 Where you receive a mistaken internet payment

    Where:

    both we and the receiving institution are satisfied that a payment made to your account is a mistaken internet payment;

    sufficient credit funds are available in your account to the value of that payment; and

    the mistaken internet payment is reported 7 months or less after the payment; and

    for mistaken internet payments reported between 10 business days and 7 months of the payment, you do not establish that you are entitled to the payment within the relevant 10 business day period referred to in clause 19.3,

    we will, without your consent, deduct from your account an amount equal to that mistaken payment and send that amount to the financial institution of the payer in accordance with clause 19.3 above.

    If there are insufficient funds in your account, you must co-operate with us to facilitate payment by you of an amount of the mistaken internet payment to the payer.

    We can prevent you from withdrawing funds the subject of a mistaken internet payment where we are required to do so to meet our obligations under the ePayments Code.

    19.6 Liability for losses arising from internet payments

    You must ensure that internet payment details are correct. You are solely responsible for providing correct payment details including amount and payee details. We will return to you any funds recovered by us on your behalf from an unintended recipient in respect of a mistaken internet payment but otherwise have no liability to you for any payment made in accordance with details provided by you including mistaken internet payments.

    20. Currency and availability of information
    Information available through myRAMS concerning transactions and balances may not always be completely up to date, although in most cases should at least reflect the transactions and balances of an account up to the close of business on the previous banking day.

    We try (without any legal obligation) to make myRAMS available at all times but this may not always be possible. For example, it will be unavailable while we carry out system maintenance. It may also be unavailable due to factors beyond our control, such as your Internet connection. If you cannot access myRAMS at any other time, please call RAMS, that's 13 7267 so that we can investigate.

    Also see clause 9.4.

    We use a very high level of encryption to protect your transactions and accounts from unauthorised access. The use of such encryption may be illegal in certain jurisdictions. It is your responsibility to ensure that the local law permits you to use myRAMS.

    21. Our liability is limited
    Subject to clause 12 and clause 18 and to the extent permitted by law and the ePayments Code, we are not liable for anydamage you suffer:

    as a result of using the BPAY scheme

    by accessing, or being unable to access, myRAMS (whether in a particular jurisdiction or otherwise)

    if we exercise our rights under these terms and conditions (such as under clause 8 or clause 9.4)

    where, even though you are registered for SMS Notifications, you do not receive an SMS confirmation when funds are debited from an account, or

    where, even though you are registered for SMS Security, you do not receive an SMS with a security code when trying to make a transaction or change described in clause 7.2.

    This clause does not apply where the damage arises from:

    our negligence or wilful default, or negligence or wilful default by our agents (including RAMS), or

    our breaching a condition or warranty implied into this agreement under consumer protection legislation, if that condition or warranty cannot be excluded, modified or restricted.

    22. Your email address and Mobile Phone number

    We may use your email address to advise you of any enhancements or other changes to myRAMS which may alter our deliver of, or your ability to use, myRAMS or send you an email notification to tell you the changes are available for viewing within myRAMS or on a website. If you do not provide us with a correct email address, you may not receive important information about myRAMS.

    We may use your Mobile Phone number to send you SMS Security codes, SMS notifications and any information relevant to this service. If you do not provide us with your correct Mobile Phone number, you may not be notified of this information. You will be notified of any changes to our records of your Mobile Phone number via an SMS to both your old and new Mobile Phone numbers.

    You need to keep your email address and Mobile Phone number current. You may update them using the "My Details" option in myRAMS or by calling the RAMS Customer Service Team on 13 RAMS, that's 13 7267 during contact centre hours.

    23. Complaints

    If you think there has been a mistake in a transaction or an unauthorised transaction has been made through myRAMS or you have another issue please contact us.

    It is your responsibility to, firstly, notify us of the situation. To do this, contact us via:

    Phone: 13 RAMS, that's 13 7267 within Australia (+61 2 9647 6967 if outside Australia) during contact centre hours

    Email: via our website - www.rams.com.au

    Fax: 02 9736 5273

    Mail: Locked bag 5001, Concord West NSW 2138

    It is essential that you give us all the information you have to help us resolve your concern.

    We will aim to resolve the matter when you first contact us. If we cannot resolve your issue there and then, we will commit to taking the following steps:

    1. Let you know who is handling your complaint.

    2. Keep you informed of what is happening.

    3. Aim to resolve your complaint within 5 working days.

    By using myRAMS you agree that we may advise you of the progress and resolution of your complaint in writing or verbally as we consider appropriate.

    Please note that we comply with the ePayments Code complaint investigation and resolution procedures in connection with electronic funds transfer transactions to which the ePayments Code applies.

    What if you feel your complaint has not been resolved?

    If we haven't been able to resolve your issues to your satisfaction , and you'd like an independent review, you can refer your complaint to The Financial Ombudsman Service, GPO Box 3, Melbourne VIC 3001, phone: 1300 780 808.

    The Australian Securities & Investments Commission (ASIC) also has a freecall Infoline - 1300 300 630. You can use this number to make a complaint and to obtain further information about your rights.

    24. ePayments Code and the Code of Banking Practice

    The ePayments Code governs certain electronic payments to or from your account where you are an individual. (e.g. making payments using myRAMS). We will comply with the ePayments Code where it applies.

    The Code of Banking Practice is a self-regulatory code adopted by us. We actively comply with the Code of Banking Practice. General descriptive information about our services is available on request from RAMS. This includes information about our obligations regarding the confidentiality of your information, complaint handling procedures, the advisability of you informing us promptly if you are in financial difficulty and the advisability of you reading the terms and conditions applying to a relevant service.

    25. Changes to these terms and conditions
    We can change these terms and conditions at any time.
    If we:

    impose or increase charges relating solely to the use of myRAMS or your customer ID number or myRAMS Password or the issue or use of any additional or replacement customer ID number or myRAMS Password

    increase your liability for losses relating to transactions using myRAMS

    impose, remove or adjust a daily limit or other periodic transaction limit applying to your use of myRAMS, or

    terminate myRAMS,

    we will give you at least 20 days' notice in writing or electronically.

    If we:

    impose a new fee or charge (other than a government charge)

    we will give you at least 30 days' notice in writing or electronically.

    If we make any other change, we will notify you before the change takes effect:

    in writing or electronically

    by including a notice on or with your account statement

    by publishing an press advertisement in a major newspaper, or

    through a notice that appears when you login to myRAMS.

    However, none of these advance notice requirements apply where an immediate change is necessary to restore or maintain the security of myRAMS or your accounts.

    Ordinarily, we only change these terms and conditions for one or more of the following reasons:

    to comply with a change or anticipated change in law, an industry code or industry general practice

    to reflect a change in our systems or procedures (including for security reasons)

    to facilitate a change to myRAMS

    to reflect our costs in connection with myRAMS, or

    to make these terms and conditions clearer.

    26. Fees and charges
    If you use myRAMS to effect a transaction you may incur a fee or a government charge (or both) on the account you access, in accordance with the terms and conditions applicable to that account.

    Information on standard fees and charges is available on request from RAMS.

    27. Anti-Money Laundering and Counter-Terrorism Financing obligations
    You should be aware and you agree that:

    transactions may be delayed, blocked, frozen or refused where we have reasonable grounds to believe that they breach Australian law or sanctions (or the law or sanctions of any other country). Where transactions are delayed, blocked, frozen or refused we and our correspondents are not liable for any loss you suffer (including consequential loss) howsoever caused in connection with your use of myRAMS

    we may from time to time require additional information from you to assist us in the above compliance process, and you must provide that information

    where legally obliged to do so, we will disclose the information gathered to regulatory and/or law enforcement agencies, other banks, other members of the Westpac Group, service providers or to other third parties

    You provide us the following undertakings and indemnify us against any potential losses arising from any breach of such undertakings:

    you will not initiate, engage in or effect a transaction that may be in breach of Australian law or sanctions (or the law or sanctions of any other country)

    the underlying activity/product for which myRAMS is being provided does not breach any Australian law or sanctions (or the law or sanctions of any other country).

    28. About this agreement
    When you first use myRAMS, you accept these terms and conditions and become bound by them. They form the agreement between you and us as to your use of myRAMS.
    If you have previously used myRAMS, your first use of myRAMS after any changes to these terms and conditions are notified (see clause 26) indicates your acceptance of them.
    You may stop your use of myRAMS at any time by calling us on 13 RAMS, that's 13 7267 during contact centre hours. We may terminate myRAMS under clause 26.

    We enter into this agreement on our own behalf and on behalf of RAMS.

    If (without this paragraph) any provision of these terms and conditions would be void, unenforceable or breach a law, these terms and conditions are to be read as if that provision (or the offending part of the provision) was varied to the extent necessary to make it valid, enforceable or comply with the law, or if that is not possible, omitted.

    29. Governing law
    This agreement and the transactions carried out under it using myRAMS are governed by the law in force in New South Wales. Both you and we submit to the non-exclusive jurisdiction of the courts of that State.

    30. Words with special meanings

    Access Code

    Means any one or more of your myRAMS Password, myRAMS Mobile PIN, SMS Security codes and any other code we provide you (or permit you to choose) from time to time, that enables you to log in or use myRAMS and which you are required to keep secret.

    account

    Has the meaning given in clause 2.

    Available redraw

    In relation to an account, has the meaning given in the loan agreement for that account.

    Banking day

    A day other than a Saturday or Sunday or a public, special or bank holiday in New South Wales.

    Biller

    See clause 5.1.

    BPAY

    means BPAY Pty Ltd ABN 69 079 137 518.

    Contact centre hours

    7am to 11pm, 7 days a week

    customer ID number

    The eight digit Customer Identification Number by which RAMS identifies you.

    Daily limit

    Has the meaning given in clause 8.

    Damage

    Means loss or damage and includes both direct and consequential loss or damage.

    EFT

    Electronic Funds Transfer.

    ePayments Code

    The ePayments Code is an industry code governing certain electronic payments.

    for example, including
    or such as

    when introducing an example does not limit the meaning of the words to which the example relates to that example or examples of a similar kind.

    mistaken internet payment

    means a payment, other than one made using BPAY, by an individual through a 'Pay Anyone' internet banking facility and processed through direct entry where the funds are paid into the account of an unintended recipient because the individual enters or selects a BSB number and/or identifier that does not belong to the intended recipient as a result of the individual's error or the individual being advised of the wrong BSB number and/or identifier.

    Mobile Phone

    If you are registered for SMS Security and/or SMS Notifications, the mobile telephone device with the telephone number that you have registered as the Mobile Phone to which SMS and notifications should be sent by SMS.

    myRAMS

    The service that we make available through the internet to enable you to make transactions and view information in connection with your accounts over the internet (whether using a computer or suitable mobile phone)

    myRAMS Mobile

    The mobile optimised version of myRAMS which enables you to make certain transactions and view information in connection with your accounts on your mobile phone.

    myRAMS Mobile PIN

    The 4 character PIN that you can set up to log into myRAMS Mobile after you have first logged in using your customer ID and myRAMS Password.

    myRAMS Password

    The 8 character password which we issue to you on registering for myRAMS or any other 8 to 30 character password you or we change it to from time to time.

    RAMS

    RAMS Financial Group Pty Limited (ABN30 105 207 538 AR 405465 Australian credit licence 388065) and its successors and assigns.

    SMS Notifications

    The optional alerts service described in clause 7.

    SMS Security

    The optional additional security service described in clause 7.

    we

    Westpac Banking Corporation (ABN 33 007 457 141 AFSL and Australian credit licence 233714) (Westpac) and its successors and assigns.

    you

    The account holder who has accepted these terms and conditions.

    Clause headings do not affect the interpretation of clauses.
    Unless the context requires otherwise, the singular includes the plural and vice versa.

    A reference to:

    a time means that time in Sydney

    a document includes any variation or replacement of it.

    myRAMS is provided to you by:

    Westpac Banking Corporation

    275 Kent St, Sydney NSW 2000

    RAMS is a wholly owned subsidiary and an authorised representative of Westpac. RAMS is authorised by Westpac to distribute myRAMS.

    Unisys Mortgage Processing (No. 1) Pty Ltd ABN 29 147 490 819 (UMP) is authorised to provide financial services, including call centre and other administrative services in relation to myRAMS, as an authorised representative of Westpac. UMP can be contacted through any of the following channels:

    Telephone: 13 7267

    Email: service@ramsservices.com.au

    Mail: Locked Bag 5001, Concord West, NSW 2138

    Terms and Conditions - Effective 6 July 2015