Website Terms & Conditions ("Terms of Use")

Use of this website is subject to the following terms:

About this website

This website is operated by Police & Nurses Limited (ACN 087 651 876, ABN 69 087 651 876) on behalf of itself and its related bodies corporate ("P&N", "we" "us", "our") under the domain name "pnbank.com.au" ("Website").

Acceptance of Website Terms of Use

You acknowledge and accept that your use of the Website (including your access to information, graphics and materials on the Website ("Materials") constitutes your acceptance of these P&N Bank Website Terms & Conditions ("Terms of Use"), the Privacy Policy and Security section.

Currency and changes

These are the current Terms of Use. They replace any earlier website terms of use as published on the Website.

Subject to any restrictions imposed by law, we may also, at any time, unilaterally change these Terms of Use without prior notice by publishing the changed Terms of Use on the Website. You agree your subsequent access to, or use of, the Website will constitute your acceptance of the changes.

We may, from time to time, make changes to the Website or Materials (or both).

Accessing the Website from a mobile device

If you access the Website from a mobile device, you may not be able to access the full range of services which are ordinarily available from the Website. For example, you may not be able to access portable document format (PDF) documents, pages requiring Flash (or any other media player) or make an application for a product.

If you are unable to open, view, save or otherwise access relevant information through your mobile device (including disclosure documents such as our Financial Services Guide, Credit Guide or Terms and Conditions), you will need to obtain the information or document by accessing the Website from a device other than a mobile device – such as a computer. You must not submit any online application or request for a product or service if you are unable to open and save all disclosure documents relating to that product or service.

Website Security

Although we regularly review developments in security and encryption, we cannot guarantee that information transmitted over the internet is totally secure. Therefore, when you send us information (including via an online form or by email), you do so at your own risk. Once we have received information from you, we take reasonable steps to keep the information secure whilst it is in our own systems. We encrypt personal information before sending it over the internet to third parties - even so, we cannot guarantee that it is secure.

We cannot guarantee that the Website is free from viruses, or that access to the Website will be uninterrupted. You should therefore ensure that the way you access the Website does not expose your equipment to the risk of viruses or other forms of interference which may damage it.

Encryption and SSL Connection

Our Online Services has strong online encryption in place and uses Secure Socket Layer (SSL) technology. This provides an encrypted connection between your computer and our systems. You will be connected to an encrypted site utilising SSL technology if you see a small padlock icon at the bottom of your web browser.

Digital Certificates and Internet Banking

In addition to using SSL technology, we also use VeriSign Digital Certificates to ensure a secure connection to Internet Banking. To check for the Verisign Digital Certificate before logging on to Internet Banking, right click your mouse, select 'properties' from the list of options, then click on 'certificates'. This should verify that you are logging on to Internet Banking securely.

Service availability

We use all reasonable endeavours to ensure the availability of Internet Banking and the Website, but cannot guarantee the availability of these services as we are dependent at all times on a number of independent suppliers to provide you with these services.

To the extent permitted by law, we accept no responsibility for any loss occasioned to any person acting (or refraining from acting) as a result of the unavailability of the Website, Internet Banking or any other service that ordinarily may be accessed through the Website.

Additional terms may apply to you

Certain sections of the Website, and services provided through, or in connection with, the Website (such as Internet Banking) are subject to further terms in addition to these Terms of Use).

Therefore, if we provide you with such services, you are also bound by those product-specific terms and conditions, and, as such, you should review them wherever they are accessible by you on the Website. You can review the Online Services Terms & Conditions.

You should familiarise yourself with product-specific and service-specific terms and conditions before deciding on whether to acquire or retain a product.

For deposit and payment products, please review the relevant current Terms and Conditions available from the Website or any of our branches. For credit products, please review the current terms and conditions for those products available from the Website or any of our branches.

Full details and up to date terms and conditions, charges, interest rates, product information, and special offers are available via our website, from any of our branches, or by contacting us on 13 25 77.

Information about products and services

Materials on the Website may contain general information about our products and services and those of third parties. Any advice given on the Website is general only and does not take into account your personal objectives, financial situation or needs. Please therefore consider whether it is appropriate for you. Please read the relevant Terms and Conditions when considering whether a product is right for you.

Information about products and services on the Website:

• does not constitute an offer or inducement to enter into a legally binding contract for such products or services; and
• does not form part of the terms and conditions for any of our products and services.

All applications for credit are subject to our normal credit approval criteria. Products and services referred to on this Website are available only in Australia (and, in some cases, only in Western Australia).

Copyright and trademarks

Copyright in the Materials is either owned or licensed by us. Except where necessary for viewing the Materials with your internet browser software, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no Materials may be reproduced, adapted, uploaded or transferred to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without our prior written consent.

"Police & Nurses", "P&N” and all associated trademarks are the registered and unregistered trademarks of Police & Nurses Limited.

Linking to the Website

Please contact us if you would like to place a link to any part of the Website on your own site.

Links to other websites

You may be able to access external sites ("Linked Sites") by clicking on links we have provided on the Website. Linked Sites are not subject to these Terms of Use or our Privacy Policy or Security sections. You will need to contact a Linked Site directly to ascertain the privacy and security sections relevant to the Linked Site.

Subject to any applicable law which cannot be excluded, we make no warranties or representations regarding, and take no responsibility for, any information, graphics or material on any Linked Site ("Third Party Material"). Links on our Website to Linked Sites are provided for convenience only and do not constitute our endorsement of Linked Sites, or any Third Party Material.

We may receive payments from owners or operators of a Linked Site in relation to goods or services supplied by its owner or operator as a result of you linking to the Linked Site from our Website.

Cookies, Advertising & Tracking

Collecting information & cookies

When you use the Website, we may collect information about you and may involve the use of "cookies" (as explained below).

When the information we collect through the Website is your personal information, we will manage such personal information in accordance with the Privacy Act 1988. Our Privacy Policy contains details of how we manage your personal information.

What is a "cookie"?

A cookie is a small text file placed on your computer hard drive by our web page server which we can later access. Cookies are frequently used on websites and you can choose if and how your computer accepts them by configuring your preferences and options in your browser.

How we use cookies

We use cookies so that we can improve the Website and learn how to provide you with a better and more customised service.

If you visit our website (including if you visit an unsecured area - such as one which does not require you to log on to the relevant page), the cookie allows us to:

• allocate a P&N identification number to your internet browser
• determine if you have previously visited the Website
• identify pages you have accessed and third party websites you have visited

We also use cookies for security and personalisation in relation to the services accessible through the Website such as:

• online banking services 
• online product application forms
• online enquiry forms

Cookies do not, of themselves, contain personal information about you. However, should you provide us with personal information (such as through an online enquiry form or online banking) we would be able to track your browsing activities on the Website from the cookie.

Your browser should be able to give you the choice for your computer not to accept cookies in respect of your activities on the Website. You may still be able to use some information-only pages if you choose not to accept cookies. However, if you want to make full use of the Website, you need to set up your browser to accept cookies.

Monitoring our advertising effectiveness

We use external advertising companies for our online advertising. This may involve displaying a banner advertisement on a third party website.

When you visit a third party website which displays one of our banner advertisements or use a link on our Website to visit a Linked Site, the third party website may use cookies to collect information such as:

• the server your computer is logged onto
• your browser type
• the date and time of your visit

We may receive a copy of that information, or have access to it, as part of our arrangements with the third party. (Third party websites are not subject to our Privacy Policy so you should review their privacy policy and any other relevant notice that appears on a third party website.)

When you visit the Website after following a link from one of our advertisements on a third party website, information is collected on how you use our Website. This might include which pages you view, and whether you start and complete an online application.

In each case, the information is collected principally so that the effectiveness of the advertising can be measured.

We may also share with other third parties cookie information, information about your preferences or other information you have given the third party. We do not share any personal information which could identify you, without your consent.

Tracking & website statistics

We have arrangements with website-tracking companies, such as Google Analytics, who track web-users' behaviour on websites, aggregate behavioural information and use such information to study internet user behaviour patterns.

As a general rule, personal information is neither collected during the tracking process nor used in their studies. Instead, they use information mainly to measure advertising effectiveness and relative consumer interest in the various areas of our Website. If, however, personal information is collected by website-tracking companies, our arrangements with the website-tracking companies require them to maintain the privacy and confidentiality of that information. Details of Google Analytics' privacy statement can be found on their website.

The statistics gathered Google Analytics provide us with information on usage of the Website, such as the number of pages viewed, number of unique visitors, common entry and exit points, search engines, demographic and interests, data and search terms used and the effectiveness of the various areas on the Website.

We may disclose the aggregated information collected to third parties including advertisers or potential advertisers.

Emails

We store the content of any email you send us. We may monitor the content for security issues - such as where email abuse is suspected. Our reply to you may also be monitored to help us meet our quality assurance goals.

Information about you & your privacy

Our Privacy Policy sets out how we deal with personal information generally. If these Terms of Use are inconsistent with our Privacy Policy, these Terms of Use apply to the extent of the inconsistency.

General Disclaimer

We publish the Materials on the Website in good faith on an "as is" and "as available" basis. The information is believed to be accurate and current at the date the Materials are published on the Website.

Whilst we have made every effort to ensure that the Materials are free from error, neither we nor our directors, officers or employees, warrant the accuracy, adequacy or completeness of the Materials (including in relation to any products or services) and do not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the Materials.

Therefore, by accessing the Website, you agree that your access to and use of the Website and the Materials is at your sole risk.

You understand and agree that any Materials and/or data downloaded or otherwise obtained through your use of the Website is obtained at your own discretion and risk. You are responsible for any damage to your computer system or mobile device or loss of data that results from the download of such material and/or data.

You must ensure that your access to the Website is not illegal or prohibited by laws, which apply to you in your location.

We do not guarantee that third party websites (including Linked Sites) (or the Website) will be free from viruses, or that access to Linked sites will be uninterrupted.

To the extent permitted by law, we expressly disclaim all representations and warranties and other terms, whether express or implied, in respect of the Website or services available through the Website. We make no warranty that the Website or any service or information made available from the Website will meet your requirements, or that the services will be uninterrupted, timely, secure or error free.

All restrictions, licences granted by you and all disclaimers and limitations of liability by P&N will survive in any event of termination of the website.

Liability

To the extent permitted by law, we are not liable to you for any loss (including any direct, consequential or indirect loss including loss of profits), damage, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising in connection with Third Party Material, Materials, your use of the Website or your inability to access the Website, whether in contract, tort including for negligence, statute or otherwise.

Applicable law

The Website, the Materials, the Terms of Use and all matters relating to them are governed by and are to be construed according to the laws applicable in the State of Western Australia and the Commonwealth of Australia. The Website, Materials and/or the Terms of Use may not satisfy the laws of any other country or jurisdiction and to the extent that it does not satisfy the laws of the State or Territory or country in which you reside, or from which you are accessing the Website, neither the Website nor the Materials are directed at you and cannot be relied upon by you.

If you rely upon the Materials or the Website and you are accessing the Website from a computer outside of Western Australia, you agree to indemnify us for any losses (including any consequential losses), costs, expenses or damages we may suffer as a consequence of your use of the Materials or the Website.

In respect of any proceedings in connection with the Website, the Materials or these Terms of Use, you submit to the non-exclusive jurisdiction of the courts of Western Australia.

Nothing in the Terms of Use detracts from our right to comply with any law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by us with respect to that use.