Website Terms of Use
These Website terms of use (“Terms”) explain what happens when you visit our website.
Applicability of Terms
If you:
- visit; or
- access; or
- rely on
any material on our websites, you are bound by these Terms.
If you do not accept these Terms, you should not use our website.
Membership of Health Professionals Bank
Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.
Products and services
Information on our website regarding products and services does not constitute an offer or
inducement by us for these products and services.
Unless otherwise specified, the products and services described on our website are available only in
Australia.1
No reliance
Whilst we make every endeavour to ensure that the material on our website is accurate and up to
date, we cannot always guarantee the accuracy or completeness of all our material.
You must refer to specific information and material (e.g. membership eligibility criteria, Financial
Services Guide, product terms and conditions), before making any decision about applying for
membership or any of our products and services.
Accessing our website from mobile devices
If you access our website from a mobile device, you may not be able to access the full range of
functionality otherwise available. You must not make any application for membership, or apply for a
product or service, until you have accessed all necessary information and material.
Website security
Your use of our website is at your own risk. We do not guarantee that our websites are free from
viruses, or that access to our sites will be uninterrupted. You should therefore ensure that the way
you access our websites does not expose your equipment to the risk of viruses or other forms of
interference which may damage it.
Privacy
When you visit our website, we may collect personal information about, you, particularly if, e.g. you
perform transactions via internet banking.
Our Privacy Framework sets out how we deal with personal information about you, both generally
and in specific circumstances, such as lending. You can find out how we collect, hold, use and
disclose personal information about you, as well as how you may complain if you think we may have
breached your privacy.
Cookies
Cookies are small text files that are stored on your computer or mobile device. We use cookies to collect personal information directly from you when you interact with us through our public website, Internet Banking, or our Mobile Banking app.
Now and into the future, cookies will be used to help us further personalise and enhance your browsing experience with us. We collect limited personal information about you via cookies for the following purposes:
Security
Cookies can help secure a user’s experience by simplifying login, maintaining session integrity, or validating content entered into form fields. We do this to effectively manage our business risks, and verify online banking customers and carry out other essential security checks to offer you a secure and reliable online banking service.
Personalise and improve your customer experience
Cookies can be used to remember user preferences or understand traffic or web pages. We do this to help us to remember you the next time you visit our website, help us identify products and services that may be of interest and value to you, tailor digital content to your interests, and improve the pages you visited by making them faster or more efficient.
Measurement and analysis
Cookies can be used to collect data (including location) about users who interact with our public website, Internet Banking, or Mobile Banking app. This depersonalised data is stored and analysed by us and we do this to measure the effectiveness of our marketing.
For statistical purposes, we collect information on website activity (such as the number of users who visit our website, the date and time of visits, the number of pages viewed, navigation patterns, what country and what systems users have used to access the site and, when entering our website from another website, the address of that website) through the use of cookies. This information, on its own, does not identify an individual but provides us with statistics that we can use to analyse and improve our website.
Marketing and communication
Cookies can be used to launch segmented marketing campaigns or promote new services. We do this to determine which products or services may be of interest and value to you and to tell you about them, and advise you of new website, Internet Banking, or Mobile Banking app services or features.
Display advertising
We use Google advertising programs that use cookies to improve your online experience, including the display of more relevant ads on external websites. As you browse our website, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partners then enable us to present you with advertising on other sites based on your previous interaction with our website. The techniques our partners employ do not collect personal information such as your name, email address, postal address, or telephone number. Anyone can opt out of these programs at any time by visiting Google’s My Ad Center website.
How to block or delete cookies
You are free to change your web browser’s preferences or settings to prevent the acceptance of cookies from our website. You can also delete cookies whenever you like.
If you decide to delete or block certain cookies, your experience on our website may be affected, and you may find that some parts of the website won’t work, especially where cookies are used for security and fraud detection functions.
How to change your settings
See the steps below for making desktop changes. To change settings on your mobile device, visit the links for more information.
Google Chrome
Open Chrome browser > go to Customise and Control Google Chrome > Settings > Main Menu > Advanced > Privacy and Security> Content Settings > Cookies
Visit Google Chrome Help
Internet Explorer and Edge
Open IE or Edge browser > select Tools > Internet Options > Privacy > Advanced
Visit Microsoft Support
Mozilla Firefox
Open Firefox browser > select Tools > Options >Privacy > Cookies
Visit Mozilla Support
Safari
Open Safari browser > go to Settings > Safari >Preferences > Privacy
Visit Apple Support
Third party websites & products
As noted, we have a number of business partners and affiliated organisations.
Our website may contain links to their websites. With regard to our business partners and affiliates:
- their products and services and any software downloads are issued by or licensed to them;
and
- we do not provide any guarantees or warranties regarding such products and services and
other material provided by our business partners and affiliates.
We may receive commissions if you purchase products and services from our business partners and
affiliated organisations.
Emails
We monitor the content of incoming emails for security purposes. We also monitor outgoing emails
for quality assurance.
Availability
Whilst we strive to ensure that our website is always available, there may be times when it we
cannot guarantee that:
- access will always be available; or
- access will be uninterrupted; or
- our website will be virus free.
If any time it appears to you that any functionality on our website is unavailable or malfunctioning,
you must not proceed with any transaction.
No liability
Neither Health Professionals Bank nor any of its agents, employees or staff is liable to you on any basis
whatsoever for any loss, damage, liabilities or claims arising out of your use of our website.
Intellectual property
All material on our websites is subject to copyright or trade mark law. You must not reproduce or
distribute any material in any form without our prior written consent.
Amending these Terms
We may amend these Terms at any time. The amended version will be published on our website.
