CU Online T&Cs

Terms and Conditions governing Naas Credit Union Ltd On-line Account Access

Naas Credit Union Ltd provides services to the Member through Naas Credit Union Ltd On-Line Account Access, subject to the Member’s acceptance of the terms and conditions set out below.

 

These Terms and Conditions are in addition to those already provided to you as an account holder with the Credit Union but, in the event of any uncertainty with regard to your use of the Service, the following Terms and Conditions shall prevail.

 

By accessing your account online via the Credit Union website, you were directed to enter a username, a Personal Identification Number (PIN) and password, so only you have access to your account information.

 

By using your Username, PIN and Password (“Security Details”) you agree to the following conditions.

 

You should not disclose your Security Details to anyone, nor write the letters/numbers on any document that would associate it with Naas Credit Union Ltd or the Online Banking service. You must keep your Security Details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.

After the initial registration Naas Credit Union Ltd will never contact you, or ask anyone to do so on our behalf, with a request to disclose your Security Details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your Security Details to them under any circumstances. You should report any such requests to Naas Credit Union Ltd immediately.

Please read the Terms and Conditions carefully, they apply in respect of all use of and transactions undertaken by you via the Service. By using your Username, PIN and Password (“Security Details”) you agree to the following conditions

 

Authority

You authorise us to accept and act on your instructions and to pay to and from your Account(s) the amounts involved when the transaction has been authenticated by the use of the security procedure we require you to follow.

 

If you have a joint account, we will act on the instructions of any one of you but you are each responsible for all transactions carried out and for the repayment of any borrowing which arises on your account.

 

Definitions

Words in bold print in this Definitions Clause have the meanings respectively set under them when used in this Agreement and, where the context admits, the singular form shall include the plural form and vice versa.

 

NAAS CREDIT UNION LTD On-Line Account Access
The online system made available by Naas Credit Union Ltd for approx. 24 hours a day (subject to clause 18.3) to enable the Member to access and utilise Services via the internet and/or other internet technology-based telecommunication media by accessing the Website.

 

Account
An account denominated in Euro (whether in sole or joint names) maintained with NAAS CREDIT UNION LTD and designated by the Member as an account which may be utilised in availing of the On-Line Account Access service.

 

Agreement
The agreement concluded between Naas Credit Union Ltd and the Member for the purposes of receiving any of the On-Line Account Access Services through NAAS CREDIT UNION LTD On-Line Account Access which consists of (1) the Registration Process(es); (2) these Terms and Conditions; (3) the Privacy Policy, including the Data Protection Notice and Website Security Notice(s) appearing on the Website from time to time. In the event of any conflict or ambiguity between any of these documents, then these Terms and Conditions will prevail.

 

Bill Payment Account
An account of a third party which has been set up by NAAS CREDIT UNION LTD or the Member for Bill Payment arrangements. The list of Bill Payments Payees(which may be added to or changed by Naas Credit Union Ltd from time to time) will be made available to the Member who may then designate Bill Payment Payee(s) from the list for Bill Payment and through the NAAS CREDIT UNION LTD On-Line Account Access.

 

Bill Payment
The transfer of funds by the Member for credit of a Bill Payment Account designated by the Member which is made at debit of a Nominated Account using the Naas Credit Union Ltd On-Line Account Access;

 

Business Day
A day on which Naas Credit Union Ltd is open for general business; “non business day” shall be construed accordingly.

 

Credit Union
A credit union for the purposes of the Credit Union Act 1997.

 

Destination Account
An Account or any third party account maintained with NAAS CREDIT UNION LTD, or with a credit institution other than NAAS CREDIT UNION LTD, designated by the Member for receipt of funds through the NAAS CREDIT UNION LTD On-Line Account Access Service.

 

Data Protection Notice
The data protection notice which sets out the terms upon which the Member’s personal data received in respect of this Agreement will be gathered and processed, and which is published on the Website as part of the Privacy Policy, together with any consents the Member has given to Naas Credit Union Ltd regarding use of his/her personal data.

 

Euro
The single currency of the participating member states of the European Union.

 

Funds Transfer
An Intra Account Transfer or an Inter Account Transfer.

 

Inter Account Transfer
The transfer of funds by the Member for credit of an account held by or with a credit institution other than Naas Credit Union Ltd, which is made at the debit of an Account using the Naas Credit Union Ltd On-Line Account Access Service.

 

Intra Account Transfer
The transfer of funds by the Member: (i) for the credit of any other Account and/or any third party account maintained with Naas Credit Union Ltd, which is made at the debit of an Account using the NAAS CREDIT UNION LTD On-Line Account Access Service.

 

Member
A person who maintains an Account with Naas Credit Union Ltd and maintains a minimum share balance under the rules of NAAS CREDIT UNION LTD. The Account Holder to whom (or, in the case of joint Accounts, to each of whom) is issued a Username, Passphrase and PIN.

 

Member Service Adviser
An employee or agent of Naas Credit Union Ltd authorised to provide assistance to the Member in relation to the Member’s use of NAAS CREDIT UNION LTD On-Line Account Access.

 

Nominated Account
Such of the Accounts as are designated by the Member for access through the Naas Credit Union Ltd On-Line Account Access Service.

 

Non-Business Day Period
Any non-business day or consecutive non business days preceding a Business Day, e.g. Sunday would constitute a Non-Business Day Period where Monday is a Business Day.

 

On-Line Account Access Services
The services which Naas Credit Union Ltd will supply, at its discretion, to a Member from time to time through NAAS CREDIT UNION LTD On-Line Account Access which may include (without limitation) allowing a Member to: (a) access to information on an Account, including the balance of, and details of recent transactions on, the Account; (b) request statements on an Account; (d) make a Funds Transfer; (e) make a bill payment; (f) apply for or access personal loan facilities; (g) access balance and other statement information in relation to other Naas Credit Union Ltd services provided to the Member;

 

Personal Identification Number (“PIN”)
The personal identification number, consisting of eight digits, allocated to the Member by Naas Credit Union Ltd for use in conjunction with the Username and Passphrase, which the Member chooses, with Naas Credit Union Ltd.’s consent, through NAAS CREDIT UNION LTD On-Line Account Access Service. The Member may change their PIN by using the feature contained in the On-line Account Access – Personal Details – Security Info section of the Website.

 

Privacy Policy
The document called “Privacy Policy” published on the Website from time to time.

 

Registration Process(es)
The process(es) which must be properly and fully completed by a Member applying to Naas Credit Union Ltd for the provision of On-Line Account Access Services using Naas Credit Union Ltd On-Line Account Access, including, but not limited to, application forms, online application forms and forms completed by the Member or by a Member Service Adviser on behalf of the Member, or information given to a Member Service Adviser by the Member.

 

SMS Message
A message sent using a short message service to or from telecommunication devices that use global system for mobile (GSM) communication.

 

Terms and Conditions
The terms and conditions governing the provision of the NAAS CREDIT UNION LTD On-Line Account Access to the Member, which are set out in this document, and such other terms and conditions as may be added to or substituted for them from time to time pursuant to the Agreement.

 

Website
Any page containing the URL www.naascu.ie; naascreditunion.com; cucash.ie or cuonline-ebanking.com

 

Use of NAAS CREDIT UNION LTD On-Line Account Access

  1. Availability and Security
    1. Naas Credit Union Ltd On-Line Account Access Services are only made available, subject to Clause 1.2, to
      a Member by Naas Credit Union Ltd in respect of Accounts in Naas Credit Union.
    2. NAAS UNION LTD On-Line Account Access (including the Services delivered through it), the Username,
      Passphrase and PIN must be used by the Member strictly in accordance with this Agreement.
      1. The PIN (if requested) will be provided by NAAS CREDIT UNION LTD direct to the Member. The
        Member must not disclose the PIN whether directly or indirectly, to any other person (including,
        but not limited to, any account aggregation service provider) or record your Username,
        Passphrase or PIN in any way that may result in them becoming known to another person. Should
        the Member know or think it possible that the Username, Passphrase or PIN has become known to
        any other person the Member shall immediately effect a change to the PIN through Naas Credit
        Union Ltd.
      2. Please note that after initial registration or enrolment we will never contact you, or ask
        anyone to do so, on our behalf, with a request to disclose your Passphrase or PIN. If you
        receive any such request from anyone (even if they are using our name and logo and appear to be
        genuine) then it is likely to be fraudulent and you must not supply your Passphrase or PIN to
        them in any circumstances. The Member should report any such requests to us immediately
      3. A charge may be applied to your account by Naas Credit Union for reissuing you with a new PIN.
      4. The Member will be responsible for all instructions given by you or anyone acting with your
        authority between the time you pass the security procedure and the time you exit from the
        On-Line Account Access Service. The Member shall disconnect and exit NAAS UNION LTD On-Line
        Account Access Service when not availing of the Services.
  2. Equipment
    1. The equipment necessary for the Member to access Naas Credit Union Ltd On-Line Account Access Service
      shall be provided and be maintained by and at the expense of the Member and NAAS CREDIT UNION LTD may
      change the requirements for such equipment from time to time.
  3. Indemnity
    1. The Member undertakes with Naas Credit Union Ltd to comply strictly with this Agreement. The Member
      acknowledges that his or her compliance with this Agreement is designed to minimise the risk of
      unauthorised use of Naas Credit Union Ltd On-Line Account Access Service. The Member agrees to indemnify
      Naas Credit Union Ltd in full in respect of any loss or damages which may arise to Naas Credit Union
      Ltd, the Member or any third party as a consequence of the Member’s non-compliance with this Agreement.
  4. Instructions
    1. Naas Credit Union Ltd shall be entitled, but not obliged, to record all communications from, or
      instructions given by, the Member to Naas Credit Union Ltd, or messages sent by NAAS CREDIT UNION LTD to
      the Member through Naas Credit Union Ltd On-Line Account Access Service.
      1. The Member shall ensure that all instructions given by the Member to Naas Credit Union Ltd
        through Naas Credit Union Ltd On-Line Account Access Services are accurate and complete, and
        that, where appropriate, he/she correctly identifies the Account and Balance Name to which any
        amount is to be credited or debited. In particular, prior to confirming any instruction to Naas
        Credit Union Ltd, the Member shall ensure that an instruction which is relayed back to the
        Member confirming the instruction that the Member sent through Naas Credit Union Ltd On-Line
        Account Access is the instruction which the Member intends to give. Naas Credit Union Ltd is
        entitled to rely on any instruction from the Member using Naas Credit Union Ltd On-Line Account
        Access, and, for the avoidance of doubt, the processing by NAAS CREDIT UNION LTD of any such
        confirmed instruction shall be final and binding on the Member.
      2. Naas Credit Union Ltd is authorised to provide the Member with account balance information in
        respect of all accounts currently or at any future time opened in the name of the Member with
        NAAS CREDIT UNION LTD
      3. Naas Credit Union Ltd is authorised to provide to the Member any or all of the Services which
        may be accessed and availed of through Naas Credit Union Ltd On-Line Account Access Services in
        accordance with the Member’s instructions given to NAAS CREDIT UNION LTD through Naas Credit
        Union Ltd On-Line Account Access Service.
  5. Transactions on the Account
    1. The Member authorises Naas Credit Union Ltd to act upon any instruction to debit an Account received
      through NAAS CREDIT UNION LTD On-Line Account Access which has been transmitted using all or part of the
      Username, Passphrase, PIN and/or any other authentication process which Naas Credit Union Ltd may
      require to be used in connection with Naas Credit Union Ltd On-Line Account Access without requiring
      Naas Credit Union Ltd to make any further authentication or enquiry, and all such debits shall
      constitute a liability of the Member. Where the Members’ Account is maintained in joint names the
      liability of the Account Holders shall be joint and several.
    2. The Member shall not create an unauthorised overdraft, exceed an approved limit on an Account or
      otherwise act in any manner contrary to any other terms and conditions applicable to an Account and/or
      the Services through the use of Naas Credit Union Ltd On-Line Account Access. The Member accepts that
      all transactions on an Account of any nature are subject to the Account balance being available and
      transaction(s) on an account with uncleared funds of any nature may not be processed until such times as
      the balance is cleared and available.
      1. Upon receipt of instructions to effect a Bill Payment or an Inter Account Transfer Naas Credit
        Union Ltd will carry out the transfer instructions, will debit the Account and will affect the
        transfer within seven Business Days.
      2. Upon receipt of instructions from the Member to effect an Intra Account Transfer Naas Credit
        Union Ltd will carry out the instructions and will debit the Account within seven Business Days.
    3. Notwithstanding any other limit or authorisation (including any limit referred to in this Clause 5),
      whether in respect of any Account or otherwise the maximum aggregate amount which a Member may transfer
      using the On-Line Account Access Services (whether by Bill Payments, Fund Transfers, and/or otherwise)
      is EUR 10,000 during any Business Day, or during a Business Day and a preceding Non-Business Day Period.
    4. Subject to Clauses 5.2, 5.4 and 5.7:
      1. the total value of Inter Account Transfers, including Bill Payments, which may be effected by a
        Member through Naas Credit Union Ltd On-Line Account Access Service is limited in aggregate to
        EUR 5,000 in any Business Day and the preceding Non-Business Day Period (if any). For the
        avoidance of doubt, the total value of the Inter Account Transfers, including Bill Payments,
        affected during a Non-Business Day Period shall be taken into account in determining whether the
        EUR 5,000 aggregate limit has been reached during the next succeeding Business Day.
      2. the total value of Intra Account Transfers which may be effected by a Member between the
        Accounts of a Member through NAAS CREDIT UNION LTD On-Line Account Access Service in any
        Business Day or non-business day is limited to the amount of the available balance on the
        Account to be debited at the relevant time (less any outstanding Bill Payments, fund Transfers
        and/or otherwise). Amounts above EUR 5,000 may require prior approval.
      3. the total value of Intra Account Transfers which may be effected by a Member to third party
        accounts maintained with NAAS CREDIT UNION LTD through Naas Credit Union Ltd Phone Banking
        and/or Naas Credit Union Ltd On-Line Account Access Service is limited in aggregate to EUR 5,000
        in any Business Day and preceding Non-Business Day Period (if any). For the avoidance of doubt,
        the total value of transfers effected during a Non-Business Day Period shall be taken into
        account in determining whether the EUR 5,000 aggregate during the next succeeding Business Day.
    5. Entries in an Account in respect of Bill Payments and Fund Transfers shall be prima facie evidence that
      the transfer or debit represented thereby has been duly authorised and shall be binding on Naas Credit
      Union Ltd and the Member unless and until proved to the contrary.
    6. All transactions using the service are subject to verification and acceptance by Naas Credit Union Ltd.
      Any record of a transaction generated by your personal computer will be for your convenience only, and
      is not binding on Naas Credit Union Ltd.
    7. When using the On-Line Account Access Services each of Naas Credit Union Ltd and Member agree that they
      will not attempt to rely on any terms and conditions relating to the Accounts if to do so would be an
      attempt to repudiate the validity of the Member’s instructions relating to the On-Line Account Access
      Services or the communications regarding the instructions sent to the Member by Naas Credit Union Ltd.
      Both Naas Credit Union Ltd and the Member agree that the instructions, information, communications
      and/or authorisations given through the On-Line Account Access Services shall be treated as satisfying
      any legal requirements for communication in writing.
  6. Information on Account Balances and Statements
    1. The Member acknowledges that any Account balance quoted through Naas Credit Union Ltd On-Line Account
      Access Service may be the balance at the relevant close of business for that Account on the Business Day
      prior to the day of the quotation and that the balance may not be appropriately adjusted to include any
      debit or credit (whether paper or electronic (including via SMS Message)) transactions processed or
      issued since the close of business. The Member accepts that, as the Account balance quoted may contain
      uncleared transactions, it may be adjusted in the event of non-payment of any such transactions and may
      not be fully up to date.
    2. The Member shall carefully examine any account information (including Account statements and balances)
      received by the Member, or any other information provided by Naas Credit Union Ltd to the Member,
      through the On-Line Account Access Service from time to time and shall report any errors or omissions to
      Naas Credit Union Ltd in writing within 30 days from the date of despatch of such statements or receipt
      of such information. In the event that no error or omission is reported by the Member within the time
      specified, Naas Credit Union Ltd shall be entitled to rely on the conclusiveness of the relevant
      statement of account as respects further transactions, provided that nothing herein will prevent NAAS
      CREDIT UNION LTD or the Member subsequently adjusting information to correct an error or omission, but
      in that case without any claim to compensation or damages arising on account thereof.
  7. Termination of the Agreement
    1. Naas Credit Union Ltd may terminate the Agreement and withdraw Naas Credit Union Ltd On-Line Account
      Access:

      1. on giving the Member at least 10 Business Days prior written notice;
      2. immediately upon breach by the Member of any of the terms of this Agreement or where there are
        serious grounds for doing so and provided the Member is informed by notice in writing as soon as
        is reasonably possible after termination;
      3. immediately upon the death, bankruptcy or other contractual incapacity of the Member;
      4. if the Member has not accessed NAAS CREDIT UNION LTD On-Line Account Access in any period of 12
        consecutive months;
      5. if Naas Credit Union Ltd reasonably believes that any of the On-Line Account Access Services
        have been used negligently, illegally or fraudulently by the Member, or by a third party as a
        result of the Member’s negligence or recklessness;
      6. if the Member ceases to be a Member
    2. This Agreement does not have a minimum or finite duration and will continue to be binding on the parties
      until it is terminated. The Member may terminate the Agreement at any time by giving NAAS CREDIT UNION
      LTD not less than 10 Business Days prior written notice to that effect, but without prejudice to the
      Member’s liability for any outstanding indebtedness on any Account or otherwise prior to the date of
      termination.
    3. Notwithstanding the death or incapacity of the Member all payments made by Naas Credit Union Ltd at the
      debit of any Account, including the Nominated Account, shall be valid and binding upon the Member and
      the Member’s estate or legal representative if made prior to the receipt by Naas Credit Union Ltd of
      written notice of such death or incapacity.
    4. Naas Credit Union Ltd reserves the right to process or cancel any transactions in progress on
      termination of this Agreement or on suspension or withdrawal of the On-Line Account Access Services.
      NAAS CREDIT UNION LTD is not responsible for any loss the Member may incur as a result of any
      transaction not being processed as part of the On-Line Account Access Services after termination of the
      Agreement or after any suspension or withdrawal of the on-line services.
  8. Variations of the Agreement
    1. Where NAAS CREDIT UNION LTD is not required to notify the Member otherwise by law, NAAS CREDIT UNION LTD
      may alter the Agreement from time to time. Any such alteration shall become effective and shall be
      binding upon the Member 14 days after notice of such alteration has been sent to the Member by any of
      the following means: through the post, by advertisement published in at least one national daily
      newspaper, by electronic message through Naas Credit Union Ltd On-Line Account Access Services including
      by notice on www.naascu.ie. The Member shall be entitled, upon receiving notice of any alteration to
      this Agreement, to immediately terminate the Agreement but without prejudice to any rights or
      obligations which have arisen prior the termination date, including the Member’s liability for any
      indebtedness on any Account or which has otherwise arisen prior to that termination date.
  9. Notices
    1. Save where expressly provided, any notice required to be given by the Member to Naas Credit Union Ltd in
      connection with the subject matter of this Agreement shall be given in writing and sent through the post
      addressed to Naas Credit Union Ltd, Main Street, Naas, Dublin 14.
    2. Save where expressly provided, any notice required to be given by Naas Credit Union Ltd to the Member in
      connection with the subject matter of this Agreement may be given by any of the following means: through
      the post, by advertisement published in at least one national daily newspaper or by notice on the Naas
      Credit Union Ltd website.
  10. Use of Information and Confidentiality
    1. Subject to the terms of the Privacy Policy and Security Notice(s), and except to the extent that such
      disclosure is required under compulsion of law or pursuant to a direction or request issued by the
      Financial Regulator or other competent statutory or regulatory authority, Naas Credit Union Ltd shall
      ensure that all confidential personal data of a Member held by Naas Credit Union Ltd in relation to NAAS
      CREDIT UNION LTD On-Line Account Access Services shall only be accessible to Naas Credit Union Ltd, its
      agents or a company controlled by Naas Credit Union Ltd and shall be processed or used by them for
      purposes and in a way compatible with the discharge of NAAS CREDIT UNION LTD’s obligation to the Member
      under the Agreement.
    2. Naas Credit Union Ltd may use IP addresses to analyse trends, administer the site, track users’
      movements and gather broad demographic information for aggregate use.
    3. The Member shall ensure that all information obtained from Naas Credit Union Ltd by the Member relating
      to Naas Credit Union Ltd.’s operations, services, software, hardware and/or systems in connection with
      this Agreement shall be treated by the Member in strictest confidence and shall not be disclosed by the
      Member to any third party unless it is already in the public domain.
  11. Intellectual Property
    1. The Intellectual Property Rights in all data, information, systems, processes or other material used by
      or developed by NAAS CREDIT UNION LTD for the purposes of providing the On-Line Account Access Services
      or performing its obligations under this Agreement shall, or upon their creation, remain vested in Naas
      Credit Union Ltd or its licensors. The Member shall use such material only for the purpose of receiving
      the On-Line Account Access Services, as contemplated by this Agreement.
    2. Save where otherwise specified, the Intellectual Property Rights and contents of all the Website are
      owned by NAAS CREDIT UNION LTD or its licensors. Reproduction of part or all of the contents of the
      Website in any form is prohibited without the prior consent of NAAS CREDIT UNION LTD, other than that a
      Member may print or download one copy of the contents of the Website for personal non-commercial use.
  12. Data Protection
    1. Naas Credit Union Ltd will comply with its obligations under the Data Protection Acts, 1988 and 2003 (as
      amended from time to time) as regards relevant data in its possession relating to the Member and shall
      make available for inspection by the Member any information held by Naas Credit Union Ltd about the
      Member in accordance with those Acts. The Privacy `Policy and Security Notice(s) published on the
      Website from time to time shall apply to the use of personal data relating to the Member and shall form
      part of this Agreement.
  13. Liability for Defective Transactions
    1. Subject to the Member’s compliance with the Agreement and provided the Member has not acted fraudulently
      or in a negligent manner, Naas Credit Union Ltd shall accept liability for the non-execution or
      defective execution of a Funds Transfer effected through Naas Credit Union Ltd On-Line Account Access
      Service but such liability shall be limited to the amount of the unexecuted or defectively executed
      Funds Transfer.
  14. Temporary Withdrawal of Service
    1. In the event of a breakdown, fault or malfunction of, or connected to, any system used in connection
      with Naas Credit Union Ltd On-Line Account Access Service, or where there is a real or potential
      security risk, Naas Credit Union Ltd shall be entitled, without incurring any liability to the Member,
      to temporarily suspend the relevant On-Line Account Access Services or access to Naas Credit Union Ltd
      On-Line Account Access Services for such reasonable period as may be required to remedy, address or
      resolve the system issue.
    2. Force Majeure: Naas Credit Union Ltd shall not be in breach of its obligations under this Agreement if
      there is any total or partial failure of performance of NAAS CREDIT UNION LTD’s duties and obligations
      occasioned by any act of God, fire, act of government or state, war, civil commotion, insurrection,
      embargo, inability to communicate with third parties for whatever reason, failure of any computer
      dealing or settlement system, failure of or delay in the transmission of SMS Messages via any mobile
      phone network, prevention from or hindrance in obtaining any energy or other supplies, labour disputes
      of whatever nature, late or mistaken payment by an agent or any other reason (whether or not similar in
      kind to any of the above) beyond Naas Credit Union Ltd.’s control.
  15. Security, Maintenance and Availability
    1. The Member accepts that electronic communications, the internet, telephone lines or SMS-based
      telecommunications media may not be secure and communications via such media may be intercepted by
      unauthorised persons or delivered incorrectly. In consequence NAAS CREDIT UNION LTD cannot guarantee the
      privacy or confidentiality of communications via such media although it will put in place security
      measures to protect these methods of communications.
    2. From time to time it may be necessary to or desirable for security reasons, maintenance, upgrades or
      other reasons to:

      1. make certain or all of the On-Line Account Access Services unavailable to a Member; and/or
      2. delay implementation of any new Services; and/or
      3. withdraw, replace or reissue Usernames, Passphrases, PINs and/or
      4. change authentication procedures or processes for accessing Naas Credit Union Ltd On-Line
        Account Access and while Naas Credit Union Ltd will use reasonable endeavours to minimise any
        inconvenience caused to the Member the Member accepts that these events may occur and that NAAS
        CREDIT UNION LTD has no liability to it in the event of this happening. Where NAAS CREDIT UNION
        LTD changes authentication procedures for accessing NAAS CREDIT UNION LTD On-Line Account Access
        then, notwithstanding Clause 11 Naas Credit Union Ltd may introduce these procedures by giving
        instructions to the Member via the Naas Credit Union Ltd On-Line Account Access system in
        respect of which such procedures are being introduced.
  16. Agency
    1. The Member agrees that he/she has entered into this Agreement for his/her own benefit and not for the
      benefit of another person, and may not subcontract or assign any of his/her rights or obligations under
      this Agreement. The Member acknowledges that Naas Credit Union Ltd enters into this Agreement for itself
      and as agent for any member of the Naas Credit Union Ltd Group where that member of the Naas Credit
      Union Ltd Group has an agreement with the Member in respect of a product or service to which the On-Line
      Account Access Services that are provided to the Member apply.
  17. Help Desk
    1. The Member may contact Naas Credit Union Ltd on + 353 45 879622 in the event that the Member requires
      urgent assistance in resolving a difficulty encountered in relation to Naas Credit Union Ltd On-Line
      Account Access and/or information generally in relation to Naas Credit Union Ltd On-Line Account Access
      during normal business hours.
    2. Telephone calls to the number quoted may be recorded or monitored. This is for your security and the
      security of our staff and also to verify transactions, improve service and for staff training.
  18. Governing Law
    1. All relations established by Naas Credit Union Ltd with the Member prior to this Agreement being entered
      into and this Agreement, are governed by and will be construed with the laws of Ireland, and the courts
      of Ireland shall have exclusive jurisdiction to resolve any disputes in connection with them.
  19. Severability
    1. If, at any time, any provision of this Agreement (or any part of a provision of this Agreement) is or
      becomes illegal, invalid or unenforceable, that shall not affect or impair the legality, validity or
      enforceability the remainder of this Agreement (including the remainder of a provision where only part
      thereof is or has become illegal, invalid or unenforceable).
  20. Waiver
    1. Any waiver by NAAS CREDIT UNION LTD of a breach or default of any of the provisions of this Agreement
      shall not be construed as a waiver of any succeeding breach of the same or other provisions, nor shall
      any delay or omission on NAAS CREDIT UNION LTD’s part to exercise or avail of any right, power or
      privilege that Naas Credit Union Ltd has or may have, operate as a waiver of any breach or default by
      the Member.
  21. Language
    1. The Agreement and all other documentation which will be provide by Naas Credit Union Ltd to communicate
      with the Member throughout the duration of the Agreement will be prepared in the English language, and
      all communications between NAAS CREDIT UNION LTD and the Member will also be conducted in the English
      language.
  22. Charges
    1. Naas Credit Union Ltd reserves the right to charge the Member and the Member agrees to pay the charges
      which apply when the Member uses the On-Line Account Access Services or any part of it.
  23. Assignment and Sub-contracting
    1. The Member may not assign, sub-licence, transfer or otherwise dispose of any of its rights or
      subcontract, transfer or otherwise dispose of any of its obligations without the prior written consent
      of Naas Credit Union Ltd. Naas Credit Union Ltd reserves the right to sub-licence any of its rights or
      obligations under this agreement but any subcontracting shall not affect our responsibilities or
      liabilities
    2. Naas Credit Union Ltd may, subject to prior notification to the Member, assign, and transfer or
      otherwise dispose of all or any of our rights or obligations and Naas Credit Union Ltd may disclose to
      any potential assignee, dispose or subcontractor, as appropriate, such information regarding the Member
      and the Members affairs as we may see fit.