Terms and Conditions

Please read these conditions carefully before deciding whether to accept them. If you agree to be bound by these conditions, click the I Accept button below. If you click the Decline button, you will not be able to continue your registration for our online services. We strongly recommend that you print a copy of these conditions for your reference.

In these conditions, the following words have the following meanings:

• Account: Any account which you hold and access via our online service.
• Additional Security Details: The additional information you provide to help us identify you, including the security question you create.
• Identity Details: The access code we may provide you with.
• Bay Access Trust Bank Account Number, Password, and Account PIN: The credentials you choose to identify yourself when using our online service.
• You, Your, and Yourself: Refer to the person who has entered into this agreement with us.

a. These conditions apply to your use of our online service and any accounts. They explain the relationship between you and us in relation to our online service. You should read these conditions carefully to understand how these services work and your, and our, rights and duties under them. If there is a conflict between these conditions and your account conditions, these conditions will apply. This means that, when you use our online service, both sets of conditions will apply unless they contradict each other, in which case the relevant condition in these conditions applies.

b. If any of your accounts is a joint account, these conditions apply to all account holders together and any of you separately. If more than one of you uses our online service, each person must choose their own username, password, and additional security details.

c. By registering to use our online service, you accept these conditions and agree that we may communicate with you by email or through our website.

d. When you use our online service, you must follow the instructions we provide from time to time. You are responsible for ensuring that your computer, software, and other equipment are capable of being used with our online service.

e. Our online sites are secure. Disconnection from the Internet or leaving these sites will not automatically log you off. You must always use the log-off facility when finished and never leave your machine unattended while logged in. As a security measure, if you have not used the sites for more than a specified period of time, we will ask you to log in again.

a. As part of the registration for our online service, you must provide us with identity details before we allow you to use the services for the first time. You must enter your identity details immediately after signing in so we can identify you.

b. Every time you use our online service, you must provide your username, password, and the answer to an additional security question.

c. You can change your username or password online by following the instructions on the screen.

d. For administration or security reasons, we may require you to choose a new username or change your password before you use (or continue using) our online service.

e. You must not write down, store (whether encrypted or otherwise) on your computer, or let anyone else know your password, identity details, or additional security details, and the fact that they are for use with your accounts.

f. If you believe someone else knows your password or any of your additional security details or has used any of them to access our online service, you must:

• Change your password online as soon as possible. If you have difficulty changing your password, contact us immediately at support@batrust.org
• Contact us immediately to change your additional security details if you believe they have been compromised.

g. We may provide the police or any prosecuting authority with any information they need if we believe it will help them determine if someone else is using your username, password, or any of your additional security details.

h. We may also keep any emails sent to or from us. We do this to verify the content and also to help train our staff.