Member.Net Home Banking Terms-of-Use Agreement

Gateway Co-operative Credit Union
20 Church Street, Montego Bay West Indie
Phone: 876-952-1190
This document explains the terms and conditions for using our Internet Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at Gateway Co-operative Credit Union is also governed by the applicable account disclosure regulations.
How to Access Your Accounts
To access your accounts through our Member.Net Home Banking service, you must have your account number and an Home Banking Password. This information is requested when you enter our home 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 Member.Net home banking 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 Gateway Co-operative Credit Union at once at 876-952-1190. You cannot use E-mail to initiate transactions, changed 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 Internet Home Banking service, visit Gateway Co-operative Credit Union office or call us at 876-952-1190.
Statements
All transactions generated by you through our home banking service and any home banking fees will appear on your monthly or quarterly statement.
Privacy
The Credit Union shall take all reasonable steps to ensure the security of personal information transmitted and transactions conducted through Online banking sources. These include SSL encryption, filters, digital server authentication and firewalls.

Notwithstanding, there will always be a remote possibility that data security violations may occur. New advances in security technology frequently occur and the Credit Union will diligently review and evaluate its online security measures in this regard.

Complete confidentiality is not yet possible over the internet, hence, occasionally, the Credit Un-ion may enhance its security features and provide the members with instructions pertaining to their access to Online banking and the use of the enhanced security features.

The members will be encouraged to keep their information safe regarding all electronic transactions, by applying the following:

1) Not to share their account information, passwords or code words with others.
2) Never provide confidential information to unknown callers.
3) When conducting business over the Internet, always use a secure browser and exit online applications as soon as finish using them.
4) Protect their account records.
5) Avoid writing down passwords.
6) Avoid the use of birthdays and anniversaries as passwords.
7) If they become a victim of fraud or identity theft, or has any reason to believe that they are, and information compromised, they must contact the Credit Union immediately at the telephones’ numbers provided in this document or on our website.
Operating Systems and Security
Our Member.Net home banking site is designed to operate using World Wide Web technologies and protocols, which are adaptable to a wide range of systems. Our home banking uses SSL encryption and requires a browser with a current (unexpired) COMODO ECC Domain Validation Certificate. Some older browsers may not be able to use the site without first updating the browser. Our server uses 256 bit encryption.

We use cookies to help us administer the home banking homepage. 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-banking domain. 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 banking homepage. Until it times out, you can come back to our home banking without logging in. After the time out period, you will need to log in again. Remember that 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 logout of the browser when you are finished with your session. This is especially important if you are using a public or shared computer.

Liability for Unauthorized Transfers
Tell us AT ONCE if you believe your password has been lost, stolen or used without your permission and immediately change your password from within your Member.Net home banking homepage. Calling is the best way to notify us immediately; call us at 876-952-1190. 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 876-952-1190 or write to: Gateway Co-operative Credit Union, 20 Church Street, Montego Bay West Indies.

The member will be guided by the liability terms and conditions of this service and shall not hold Gateway liable accordingly. The member will be responsible for all unauthorized transactions on his/her accounts, whether, intentionally or inadvertently giving another person their password or otherwise.

Gateway may cancel or suspend a member’s access, if Gateway has reason(s) to believe that the password has been compromised. This however, is no indication that Gateway is taking liability or steps to commence investigation for fraudulent activities. In this regard, the member maybe contacted by telephone or email.

Should there be any unauthorized transaction, Gateway will ONLY refund the member in cases where it is proven that Gateway is at fault.

Available Services and Limitations
Transfers: You may transfer funds between your shares/savings and 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 IMMEDIATELY AFTER THE TRANSACTION HAS BEEN TAKEN PLACE. You can transfer from one account number to a different account number, only if you have completed the required forms and all account owners for both accounts have signed it.

Account Balances: You may view balances of your shares/savings and loan accounts. In addition, there may be electronic items such as debit card transactions, that have not yet been presented to the credit union for payment.

Transaction History: You may view the transaction history for any loan, savings, or share accounts. You will be able to view up to the last 90 days of transaction history on any of our loan, draft or share accounts. All of the transactions in your history are always up to date with the history on the Credit Union's server.

Password Changes: If you are a Member.Net Home Banking user, you may change your password at any time from within your home banking homepage. For your protection we require that you change your home-banking password every sixty (60) days.

Additional Services: From time to time, we will announce additional services, which are available through our Member.net Home 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 Days
Our business days are Monday through Friday. Holidays are not included.
Errors and Questions
In case of error or questions about your electronic transfers, call us at 876-952-1190 or write us at 20 Church Street, Montego Bay West Indie as soon as you can. You may also email us at [email protected](strictly for errors or questions). You will have sixty (60) days to notify us 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 you to submit to 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. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for 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. All transactions are legally binding and any disagreements will be handled according to the laws of Jamaica.
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 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; or, if the home banking equipment or software was not working properly and you knew about the maintenance period when you started the transfer; If circumstances beyond our control (such as fire or flood) 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 home 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 of fitness for a particular purpose or warranties of merchantability.

I have read the above disclosure and agree to follow the recommended policies and procedures.
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