| Introduction:
This page explains the terms and conditions for using our Home/Internet/Mobile Banking Service
and provides certain disclosures and information to you concerning the service. Each of your accounts
at Barbados Workers Union Co-operative Credit Union Limited (BWUCCUL) is also governed by the applicable
account disclosure/agreement you received when you opened your account.
How To Access Your Accounts:
To access your accounts through our Home/Internet/Mobile Banking service, you must have your
account number and an access password. This information is requested when you enter our
Home/Internet/Mobile Banking pages.
The password that is used to gain access to your information should be kept
confidential, just as you would keep other PIN numbers and security codes confidential. For your
protection we recommend that you change your Home Banking/Internet/Mobile access password regularly.
It is recommended that you memorize this password and do not write it down. You are responsible for
keeping your password, account numbers and other account data confidential. If you believe that your
password may have been lost or stolen, or that someone has transferred or may transfer money between
your accounts without your permission, notify BWUCCUL at once at (246) 436-5600.
You cannot use Email to initiate transactions, change information or inquire on
your account (s). We will not respond to these types of requests via E-mail since we cannot be
certain we are corresponding with you. Please use the appropriate functions within our
Home/Internet/Mobile Banking service, call (246) 436-5600 or visit the credit union for these functions.
o get an initial password for the Home/Internet/Mobile Banking service, visit the credit union
office or call us at (246) 436-5600.
Fees:
There is currently no fee for accessing your account(s) through our Home/Internet/Mobile
Banking service. We reserve the right impose / change the fee amount, if necessary, after
providing 30 days notice to all users at the Home /Internet/Mobile Banking login page and/or
e-mail address.
Your Internet Service Provider (ISP) probably charges you a fee to access the Internet
via its server. We have no control over ISP related fees.
Available Services and Limitations:
The following functions may be performed by members
through the service:
- Transfers: You may transfer funds between
your Share or Loan Accounts as the account agreements may
allow. Transfers done through the service DO NOT immediately
charge or credit your account. TRANSFERS WILL BE EFFECTIVE
BY THE NEXT BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION
but may occur sooner.
- Check Withdrawals: You may request a
check be mailed to you from your account.
- Account Balances: You may view your share and loan
account balances. Because the main credit union computer system is not
connected to the Internet, it is possible that some transactions that
affect these balances, and have been processed by the credit union, are
not yet included in the balance at the time you view it. In addition,
there may be drafts written against your balance, or other electronic
items such as debit card transactions, that have not yet been presented
to the credit union for payment. The information regarding your account balances
on this website is provided to you as a courtesy pursuant to your request.
- Transaction history: You may view the transaction
history which occurred after ????? for any loan or share account. Because
the main credit union computer system is not connected to the Internet,
it is possible that some transactions are not yet included in the history
at the time you view it even though they may have been processed by the
credit union. The main credit union computer system is always the official
record of account history. The Home/Internet/Mobile Banking service may
be updated several times per day for your convenience in viewing account
activity.
- Download Transactions: You may download transactions
in various formats (as available on our site) for import into personal
financial software programs such as reflected on the site.
- Password Changes: If you are an Home /Internet/Mobile
Banking user, you may change your password at any time from within the Home/Internet/Mobile
Banking section. For your protection we recommend that you change your Home /Internet/Mobile
Banking password regularly.
- Additional Services: From time to time, we will announce additional services
which are available through our Home/Internet/Mobile Banking. Your use of these services will
constitute acceptance of the terms and conditions presented at the time they are announced.
We reserve the right to limit access or cancel on-line access at any time.
Business Day:
Our business days are Monday through Friday and half-day on Saturday. Public Holidays
are not included.
Operating Systems and
Security:
Our Home /Internet/Mobile Banking site is designed to operate
using world wide web technologies and protocols which are adaptable
to a wide range of systems. The Home/Internet/Mobile Banking
section uses SSL encryption and requires a browser with a current
(unexpired) Root CA Security Certificate. Some older browsers may not be able to
connect to the site without first updating the browser security
certificate. Our server uses 40 to 256 bit encryption, depending
on the user's browser.
We use cookies to help us administer the Home/Internet/Mobile
Banking section. Some browsers allow you to reject cookies from servers.
If you don't allow us to set a cookie upon entering the site, you will
not be able to log in. The cookie we set contains information we need
for security, and allows us to 'time out' your authority to view
information. We place the cookie with instructions that it can only
be sent to a server in our Home/Internet/Mobile Banking domain
(homecu.net). A cookie cannot be used to extract data from your
PC. We do not store your Access Code, User Id or Password in your cookie.
The cookie we set will 'time out' your access authority
to our Home/Internet/Mobile Banking section. Until it times out, you
can come back to our Home/Internet/Mobile Banking without logging in.
After the time out period, you will need to log in again. Remember,
most browsers will let you use a BACK button to view previously visited
documents, even if your viewing authority has expired. For this reason,
the only way to keep others from viewing your account balance is to exit
the browser when you are finished with your session. The best way is to
completely close out of the Internet entirely, so the next person to get
on will have to start with a new connection and a new browser. This is
especially important if you are using a public or shared computer.
Privacy:
Our Home/Internet/Mobile Banking database is a private system
operated for the exclusive use of our members. We use SSL
encryption and digital server authentication to insure the
privacy of your information when sending data between our
Home/Internet/Mobile Banking server and your PC.
All Home/Internet/Mobile Banking logins are
logged by the server. For authenticated members who use Home /Internet/Mobile
Banking , we collect and store certain information such as how
often you visit the Home/Internet/Mobile Banking section,
dates and times of visits and which pages are being used.
We use this information for internal review and product
evaluation only. We never sell, transfer or trade this
information unless we are compelled to do so by law.
We may gather and store additional
information available to us on failed login attempts
and other activity we consider a threat to our system.
In these cases, we will share this information with other
companies, agencies and law enforcement officials as we
determine necessary or as we are required by law.
Protecting Children's
Online Privacy:
We do not knowingly collect, nor is our Home/Internet/Mobile
Banking site designed or directed, to use personal information
from children under the age of 13 without containing verifiable
consent from their parents. Should a child whom we know to be
under the age of 13 send personal information to us, we will
only use that information to respond directly to that child,
seek parental consent or provide parental notice.
Liability for Unauthorized
Transfers:
Tell us AT ONCE if you believe your password has been lost or
stolen and immediately change your password from within the
Home/Internet/Mobile Banking section. Calling is the best
way to notify us immediately. You could lose all the money
in your account.
Also, if your statement shows transfers that you
did not make, tell us at once. If you do not tell us within
sixty (60) days after the statement was mailed to you, you may
not get back any money you lost after the sixty (60) days if
we can prove that we could have stopped someone from taking
the money if you had told us in time.
If a good reason kept you from telling us, we
will extend the time periods.
If you believe your password has been lost or
stolen or that someone has transferred or may transfer money
from your account without your permission, call:
(246) 436-5600
or write:
Barbados Workers Union Co-operative Credit Union Limited
Cnr, Nelson and Fairchild Streets, Bridgetown, BB11000, St. Michael BARBAADOS
Statements:
All transactions generated by you through our Home/Internet/Mobile
Banking service and any Home/Internet/Mobile Banking fees will
appear on your statement.
Our Liability:
If we do not complete a transfer to or from your account
on time or in the correct amount according to our
agreement/disclosure with you, we will be liable for
your losses or damages. However, there are some exceptions.
We will not be liable, for instance:
- If, through no fault of ours, you do not have enough money in
your account to make the transfer;
- If the Home /Internet/Mobile Banking equipment or software
was not working properly and you knew about the breakdown when
you started the transfer; If circumstances beyond our control
(such as fire, flood or power failure) prevent the transfer
despite reasonable precautions that we have taken.
We shall not be responsible for any other
loss, damage or injury whether caused by the equipment,
software and/or the Home/Internet/Mobile Banking service,
nor shall we be responsible for any direct, indirect,
special or consequential damages arising in any way out
of the installation, use or maintenance of your equipment,
software and/or service, except where the law requires a
different standard. We do not make any warranties concerning
the equipment, the software or any part thereof, including,
without limitations, any warranties of fitness for a particular
purpose or warranties of merchantability.
Termination of Electronic Fund
Transfer Services:
You agree that we may terminate this Agreement and your
electronic fund transfer services if you, or any authorized user
of your Home B/Internet/Mobile anking services or password,
breach this or any other agreement with us; or if we have
reason to believe that there has been an unauthorized use
of your accounts or password.
You or any other party to your account can terminate
this Agreement by notifying us in writing. Termination of service will
be effective the first business day following receipt of your written
notice. Termination of this Agreement will not affect the rights and
responsibilities of the parties under this Agreement for transactions
initiated before termination.
Home Banking services may be terminated to those
members that cause a loss to the Credit Union.
Notices:
The Credit Union reserves the right to change the terms
and conditions upon which this service is offered.
The Credit Union will post/email /mail notice to you
at least thirty (30) days before the effective date
of any change, as required by law. Use of this service
is subject to existing regulations governing the Credit
Union account and any future changes to those regulations.
Errors and Questions:
In case of errors or questions about your electronic transfers, telephone
us at (246) 436-5600 or write us at
Barbados Workers Union Co-operative Credit Union Limited
Cnr, Nelson and Fairchild Streets, Bridgetown, BB11000, St. Michael BARBAADOS
as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error.
You will need to tell us:
- Your name and account number
- Why you believe there is an error and the dollar amount
involved
- Approximately when the error took place
If you tell us orally, we may require
that you send us your complaint or question in writing within
ten (10) business days. We will tell you the results of our
investigation within ten (10) business days and correct any
error promptly. If we need more time, we may take up to forty-five
(45) days to investigate the complaint, but you will have the use
of the funds in question after the ten (10) business days. If we
ask you to put your complaint or question in writing and we do
not receive it within ten (10) business days, we may not credit
your account during the investigation.
We will notify you with the results within three
(3) business days of completing our investigation. If we decide
there was no error, we will send you a written explanation.
You may request copies of the documents that we used in our
investigation.
If you need more information about our error resolution
procedures, call us at the telephone number shown above.
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