Please read these Terms carefully. They govern your access, use of and any transactions undertaken by you via CU Online and the Online Services.
Definitions & Interpretation
Access Code means any personal identification number, access code or other personalised security features or procedures issued to or used by you in connection with an Account, the CU Online+ Account Service and any other payment instrument issued in respect of an Account.
Account means any account that you hold with us in respect of which you are registered to use the CU Online+ Account Service.
Account Terms & Conditions means the terms and conditions of our Credit Union applicable to the operation of your Account Including without limitation our payments related Framework Contract) as published on our website and otherwise as available upon request from our Office(s), as the same may be amended or replaced from time to time.
Act means the Credit Union Act 1997 as amended, varied or replaced from time to time;
Bank means any credit institution (including a credit union), payment institution, electronic money institution or other payment service provider.
Business Day means a day on which Banks in Ireland are generally open for business as required for the execution of Transactions other than a Saturday, Sunday, Public Holiday or 1st May of each year.
Cleared shall mean the time when we receive value for a paper payment item from a Bank on which it is drawn and any applicable period during which it may be returned unpaid has elapsed; and cognate terms such as “Clear” and “Uncleared” shall be construed accordingly.
Cookies Policy means our cookies policy in relation to your use of our website, including without limitation your access to and use of the CU Online+ Account Service, being the cookies policy published on our website and otherwise available upon request from our Office(s), as the same may be amended or replaced from time to time.
CU Online+ means the computerised online system of our Credit Union as enables the provision of online payment and account related services.
CU Online+ Account Service means each service we make available to you through CU Online+ from time to time to include (without limitation) enabling you to access your Account, to give Payment Orders and to obtain Transaction related information or statements.
Cut-Off Time means the latest time by which Payment Orders must be received on each Business Day in order to be processed on such Business Day.
Ireland means the Republic of Ireland.
Joint Account means an Account held in the name of two or more persons with us.
Member means a member for the time being of our Credit Union.
Mobile App means an application which can be downloaded from a software application distributor(s) such as the app store or google play store and is usable on a Mobile Device.
Mobile App Provider means the third party provider which stands engaged by our Credit Union to make available under license to our Members a Mobile App as enables our Members, subject to certain security and registration requirements, to use their respective Mobile Devices to access and use the CU Online+ Account Service.
Mobile Device means any Android or iOS mobile telephone or other portable computing device which is capable of accessing the CU Online+ Account Service.
Office or Offices means any office or branch of our Credit Union.
Online PIN means a randomly generated personal identification number required for access to and use of the CU Online+ Account Service.
Payer means the person who makes or authorises a Transaction.
Payee means the person who is the intended recipient of a Transaction.
Payment Order means an instruction requesting the execution of a Transaction.
Rules means the Rules of our Credit Union as updated or amended from time to time.
Strong Customer Authentication or SCA means, in addition to an Online Pin, one or more additional security features applicable to your use of the CU Online+ Account Service, and which will require additional authentication through (as applicable) your computer or mobile telephone (SMS or Mobile App) when undertaking any of the following actions:
- Logging in to the CU Online+ Account Service;
- Setting up new payees;
- Authorising Payment Orders;
- Viewing Transactions older than 90 days;
- Viewing e-Statements on your Account;
- Such other actions as may be specified by CU Online+.
Transaction means (as applicable) any act, initiated by the payer or the payee, of placing or transferring or withdrawing funds from or on your Account, which shall include without limitation any lodgement, credit transfer or standing order, or direct debit.
We, us and our each mean our Credit Union.
You and your means the person or persons in whose name(s) an Account or Joint Account (as applicable) is held, and shall include any person who has been authorised by you to issue Payment Orders, receive information or to otherwise act on your behalf in relation to your Account.
- In order to access the CU Online+ Account Service you must be a Member holding an Account and complete the registration process through our website or at our Office(s). You will be required to give us such information as we may reasonably require for identification and security purposes in order to complete the registration. For identification and security purposes you must have a designated username, password and Online PIN. We reserve the right to reject, revoke, replace or reissue any username, password OR Online Pin and/or to restrict your choice of any of them.
- If your Account is held in the name of two or more persons at any time, each of you must sign the application for use of the CU Online+ Account Service. Each such person will be entitled to access the CU Online+ Account Service, and for such purposes will have or be allocated a separate username, password and Online PIN specific to such person. Each holder of a Joint Account shall be jointly and severally liable for the use of the CU Online+ Account Service in relation to such Joint Account.
- You must notify us immediately in writing of any change in your information particulars to enable our Credit Union to update your registration for the CU Online+ Account Service accordingly.
- We reserve the right to refuse any application for registration to use the CU+ Online Account Service without giving a reason.
- By registering for the Online Account Service, you confirm your willingness to make Payment Orders and use the services provided on the CU Online+ Account Service.
CU Online+ Account Service
The CU Online+ Account Service enables access to and use of certain services in relation to your Account, to include without limitation the following:
- accessing and viewing information on your Account to include particulars of the balance of, and recent Transactions executed on, your Account;
- allowing for the information so accessed to be downloaded and/or printed by you;
- giving us Payment Orders instructing the execution of Transactions on and from your Account (subject to Payment Order functionality on such Account having been so enabled by us);
- changing your Online PIN and/or password; and
- such other services (including making an application for a loan) as we may permit or allow from time to time on or through CU Online+.
All Payment Orders given in respect of your Account and any resulting Transactions shall be processed and executed by us subject to and in accordance with our Account Terms & Conditions including without limitation, as to refusal to execute any Transactions from your Account and as to applicable Cut-Off Time(s).
You authorise us to act upon each Payment Order, and without further inquiry on our part, which is transmitted to us through the CU Online+ Account Service using the username, password and Online PIN attributable to you and/or any other authentication requirements applicable to such Payment Order; and where such Payment Order gives rise to a debit on your Account, you authorise us to debit your Account accordingly.
Access and Use
You must keep your Online PIN, username and password safe and secure at all times, and take all reasonable measures to prevent unauthorised or fraudulent use of same and/or of your Account. security credit
After your registration for the CU Online+ Account Service, we will never contact you to request your security credentials and we will not ask anyone else to do so on our behalf. If you receive such a request you must not supply your security credentials in any circumstances, and should report such activity to us immediately by contacting our Office(s).
You are required to log out from and exit the CU Online+ Account Service when you are finished or no longer using the CU Online+ Account Service.
We shall be entitled (but not obliged) to record or retain copies of any communications made from, or Payment Orders or other form of instructions given by you, to us through or by means of the CU Online+ Account Service for security and verification purposes.
You are required to provide, use and maintain your own computer, Mobile Device or other equipment necessary to access the CU Online+ Account Service, including a computer or Mobile Device with a suitable browser and up-to-date security software. You should take all reasonable measures to ensure the security of any such computer, Mobile Device or other equipment which you may use to access the CU Online+ Account Service. The software used to provide the CU Online+ Account Service may be updated from time to time without notice to you.
You are advised to install a firewall for added security and to continuously update your anti-virus application.
We shall have no liability whatsoever in relation to any such equipment or device used by you or any software required or provided for the operation of the CU Online+ Account Service for the purposes of accessing the CU Online+ Account Service.
You acknowledge that the stated balance on your Account quoted via the CU Online+ Account Service will reflect all Transactions processed or executed on such Account by the close of business on the Business Day preceding the day of quotation, but may not necessarily include any or all Transactions which were processed or executed thereafter. You also acknowledge that the balance quoted may also include or reflect Uncleared Transactions, and may be adjusted in the event that any Uncleared Transactions are subsequently returned unpaid or not duly Cleared.
The stated balance on your Account quoted through the CU Online+ Account Service is not to be taken as conclusive evidence of the balance or state of your Account on any given day, and should not be so relied upon by you or anybody else.
We shall have no liability whatsoever to you or any other person in relation to or resulting from any loss or damages suffered as a result of any inaccuracy or error in relation to any stated balance or other information in relation to your Account as quoted via the CU Online+ Account Service.
The following information shall (as applicable) be made available to you on or through the CU Online+ Account Service in respect of each Transaction executed on your Account within the previous 12 months, or such other period as we may advise you, from the date of access:
- the amount of the Transaction;
- a reference enabling the Transaction to be identified;
- the value date of the Transaction;
- the amount of any charges or fees charged to your Account and payable in relation to the Transaction (if any); and
- the person paying out or receiving (as applicable) the monies on behalf of our Credit Union.
You may also view Transactions on your Account through the CU Online+ Account Service for a selected date or a selected (from/to) period at any time as you so wish. You may be invited as part of the CU Online+ Account Service, to sign up for receipt of an e-statement service on a periodic basis.
You should only access information on your Account through the CU Online+ Account Service in a safe and secure environment, and take all reasonable precautions to prevent any third party gaining access to same. In particular, you should not save information relating to your Account on any computer or other electronic storage device not owned by you, and you should ensure that you close all browser windows in which any information on your Account is displayed after you are finished viewing such information.
You shall cease to have access to the CU Online+ Account Service in the event that your Account is closed or suspended (for whatever reason), or your right to use the CU Online+ Account Service is terminated or suspended by us, or you cancel your registration in respect of the CU Online+ Account Service. You should accordingly (and where possible) ensure that you download and save and/or print or otherwise retain a copy of such information on your Account as is available to you through the CU Online+ Account Service prior to the occurrence of any of the foregoing events in order to be able to access such information thereafter.
Security, Maintenance & Availability
We shall put in place reasonable measures to ensure the security of the CU Online+ Account Service, and any email, telephone, online or other electronic communications we may have with you. However, you acknowledge and agree that the security of the CU Online+ Account Service and/or any such communications cannot be guaranteed by virtue of their nature, and may be intercepted by third persons or delivered incorrectly. You accept any risks which may arise as a result of any such interception or incorrect delivery.
We shall be entitled for security, maintenance, upgrade or other reasons to do any of the following from time to time:
- suspend or cancel your access and use of the CU Online+ Account Service (whether temporarily or otherwise and in whole or in part);
- change or amend the authorisation and authentication procedures or processes for enabling access to and use of the CU Online+ Account Service;
- introduce, issue, withdraw or replace any Online PIN or other security or access procedures in relation to the CU Online+ Account Service.
We may operate such security and validation measures as we consider appropriate in relation to your use of the CU Online+ Account Service. Such measures may include contacting you by telephone or in writing to seek confirmation of any Payment Order transmitted by you though the CU Online+ Account Service, but we shall not be obliged to do so on any particular occasion no matter how many times we have done so in the past. We shall not be liable for any failure or delay in executing any Transaction instructed by any such Payment Order which results from the application of such measures.
To the extent required by law or regulation we shall apply Strong Customer Authentication through operation of CU Online+ to each Payment Order you generate using the CU Online+ Account Service and which would give rise to a debit on your Account.
When you access the CU Online+ Account Service, where possible we shall ensure end-to-end encryption is applied, to provide for added security, confidentiality and integrity of the data.
The Mobile App enables you to access the CU Online+ Account Service via a Mobile Device, and thereby make available through your Mobile Device all the account and payment services otherwise available to you through our website.
In order to access the CU Online+ Account Service on a Mobile Device, you are required to register with and obtain under licence from our Mobile App Provider the right to download the Mobile App and install it on your Mobile Device. There is no fee or charge payable to so, register or to download the Mobile App to your Mobile Device.
Once you have downloaded and installed the Mobile App onto your Mobile Device, you may then avail of all account and payment related services as are provided through the CU Online+ Account Service, subject to any additional Strong Authentication requirements we may introduce from time to time in that regard.
You should ensure that you are not overlooked by any other person when logging in to the CU Online+ Account Service via our Mobile App.
You must keep your Mobile Device secure and ensure that on the replacement of your Mobile Device, you delete the Mobile App from such Mobile Device.
You shall ensure that you are no longer registered for access to the CU Online+ Account Service via the Mobile App on the disposal of your Mobile Device.
If you wish to cancel access to the CU Online+ Account Service via the Mobile App, in additional to any requirements in that regard of the Mobile App Provider, you are required to uninstall the Mobile App from your Mobile Device.
From time to time, updates to the Mobile App may be issued by the Mobile App Provider and depending on the update, you may not be able to access or use the CU Online+ Account Service via the Mobile App until you have downloaded the latest version of the Mobile App and accepted any new terms (as applicable).
We accept no responsibility or liability for any unavailability of the CU+ Online Account Service through any Mobile App technical fault or service suspension, this being a matter in each case solely between yourself and the Mobile App Provider.
You shall be solely responsible and liable for any communication costs as applied by your Mobile Device network provider and associated with accessing the CU Online+ Account Service via the Mobile App.
You acknowledge that separate fees may be charged by your mobile network provider when you access and use the CU Online+ Account Service via the Mobile App and whether in or outside Ireland. You are advised to refer to your mobile network provider for further details and details of any such fees which may apply.
Fees and Charges
You shall be liable to pay the fees and charges (if any) relating to the operation of, or any Transaction executed via, the CU Online+ Account Service as may be specified on our website from time to time. Any changes to the fees and charges so payable shall be made in accordance with the Account Terms & Conditions.
We shall be entitled to debit all such fees and charges from your Account without prior notice to you. We shall be entitled to do so, even if this would cause your Account to become overdrawn or increase the amount of any overdraft on your Account (if applicable).
We shall have no liability to you whatsoever for any losses and financial consequences suffered by you as a result of:
- any fraud on your part;
We shall not be liable to you or any other person for any loss of profit, consequential loss or indirect loss or damage whatsoever and howsoever occasioned to or suffered or incurred as a result of the operation or use of the CU Online+ Account Service.
We shall be entitled to engage and use such intermediaries, agents and other third parties as we see fit for the purposes of operating, maintaining or making available the CU Online+ Account Service executing any Transaction to or from your Account.
We shall have no liability whatsoever to you or any other person in respect of any temporary suspension of access to the CU Online+ Account Service which is considered necessary or expedient in order to enable us to remedy, address or resolve any break down, malfunction or technical fault to the CU Online+ Account Service or any network or other connection enabling the operation of or access to the CU Online+ Account Service, or any (actual or potential) security threat or risk to or relating to the CU Online+ Account Service.
You authorise us and agree that we may provide your personal data to any third party (including without limitation any Bank, payee or payer) as required in connection with any Payment Orders generated by you through the CU Online+ Account Service.
The Cookies Policy published on our website from time to time applies to your access to and use of the CU Online+ Account Service. Please refer to the ‘Cookie Table, under the heading ‘Functional’, for the cookies concerned.
Term & Termination
We may (at our discretion) suspend or terminate your right to use the CU Online+ Account Service immediately in any of the following circumstances:
- any of the circumstances listed in our Account Terms & Conditions as applicable to you;
- if we have reasonable grounds to suspect that you have used, or have permitted, facilitated or enabled (whether intentionally or due to negligence or recklessness on your part) any other person to use, the CU Online+ Account Service to commit or facilitate fraud or other illegal activity;
- on the suspension or closing of your Account;
- if you have not accessed the CU Online+ Account Service for a period of 12 months or greater.
We may also withdraw your right to use the CU Online+ Account Service for any other reason whatsoever by giving you not less than two months’ notice in writing.
You may cancel your registration in respect of the CU Online+ Account Service at any time by giving us written instruction.
We shall be entitled at any time to apply or otherwise set limits as to the Transactions you conduct using the CU Online+ Account Service, in particular as to the maximum amount per Transaction and/or the aggregate number or value of Transactions in any given period.
Our Credit Union is registered as a credit union under the Acts and is regulated by the Central Bank of Ireland having its correspondence address at PO Box, 559, Dublin 1.
Please refer to our website for details of our Office(s) and contact details.
All communications with you shall be in the English language.
You must notify us immediately in writing of any change to your postal or email address or mobile telephone number. If you fail to do so, there is a risk that any correspondence or other items which we may send to you (including your Online PIN) may be intercepted, which could result in fraud on your Account or the unauthorised use of the CU Online+ Account Service.
To facilitate Strong Customer Authentication it is it is imperative that the mobile telephone number we have registered for your Account is correct. To view the number registered to you, log in to CU Online+ and click the Personal Settings option. If any details are incorrect please inform us in writing.
Save as may otherwise be provided herein, we may communicate with you by post, email, telephone, through the CU Online+ Account Service and/or in person, subject to any applicable legal or regulatory requirements.
The copyright and other intellectual property rights in the CU Online+ Account Service, and/or in any and all data, information, systems, processes, software or other material used or developed by or on behalf of our Credit Union for the purposes of providing or making available the CU Online+ Account Service, shall remain vested, or upon their creation vest, at all times in our Credit Union and/or its licensors (as applicable). You shall not obtain any rights, title or interests in any such materials or intellectual property rights relating to the foregoing by virtue of your use of the CU Online+ Account Service.
© ALL RIGHTS RESERVED (2021)
The copyright in this document is vested in Doherty Ryan & Associates, Solicitors, Dublin 2, Ireland. This document is protected by the Copyright and Related Rights Act 2000 (as amended). Neither this document, nor any part of it, may be published, used, reproduced, transmitted or disseminated in any form or by any means, including photocopying and recording, nor included in any information storage or retrieval system, without the prior written authority of Doherty Ryan & Associates, Solicitors. Accordingly, any unauthorised publication, use, reproduction, transmission, dissemination or storage of this document, or any part of this document, is prohibited.
Online Payments Security Guidelines
[incorporating EBA Guidelines 2014 on the Security of Internet Payments: EBA/GL/2014/12]
This Appendix 1 contains detailed Guidelines to our Members relating to the security of online payments when using our CU Online+ Account Service.
These Guidelines have been drawn up by us to reflect the operation of our CU Online+ Account Service, and to accord with the guidelines on the security of online payments as issued in December 2014 by the European Banking Authority (see www.eba.europe.eu) as applicable to our Credit Union as a payment service provider.
Hardware & Software Requirements
Members must use a browser such as Internet Explorer, Google Chrome, Firefox, Opera or Safari to access our Credit Union website and CU Online+ Account Service. It is your responsibility to ensure your browser is adequately protected with the appropriate security application.
When your browser and our server are establishing a secure session, they will exchange a secret code commonly referred to as a session key. The session key is used to encrypt all the data as it passes through the Internet, including your account details, Transactions and loan applications (if applicable). The information is decrypted only when it reaches your browser.
A digital certificate allows you to verify that your browser is communicating with our server and not another server. You are responsible for verifying that your browser indicates a digital certificate is in place when using the CU Online+ Account Service.
The CU Online+ Account Service utilises several layers of technology to ensure the confidentiality and integrity of the Transactions. We use TLS Protocol (Transport Layer Security) to ensure that data cannot be read by other computers as it travels between your browser and our server during a secure session. Part of TLS Protocol involves use of a Message Authentication Code (MAC). Accordingly if a message is tampered with in transit, then your browser will not accept this message.
When you logout of the CU Online+ Account Service, the data and information stored on the cookie is deleted from our system. By logging out, you terminate your session on the CU Online+ Account Service securely. You are responsible for ensuring that you click the Logout button to successfully terminate your session and exit the CU Online+ Account Service.
Submitting and Authorising a Payment Order
By submitting a Payment Order, you are permitting us to act on such Payment Order as given by you, or which appears to have been given by you and submitted via the CU Online+ Account Service. All Payment Orders given are irrevocable unless otherwise agreed by us.
You must provide the following information when submitting a Payment Order:
- Name of the Payee;
- BIC and IBAN and/or Sort Code and Account Number; and
- Transaction amount/value.
You are responsible for the accuracy of the information provided when submitting a Payment Order via the CU Online+ Account Service.
The CU Online+ Account Service allows you to create and manage your Payee(s) from within the CU Online+ Account Service. To add a new Payee and subsequently action and authorise a Payment Order to such Payee, you are required to log in to the CU Online+ Account Service and click on the “Add Payee”/”External Account” (as applicable) icon. You will then be directed to a page wherein you are required to submit details referable to the Payee as follows: 1) Name of Payee; and 2) BIC & IBAN and/or Sort Code & Account Number (as applicable).A verification code may then be sent to your mobile phone using the mobile phone number you have provided on your initial registration for the CU+ Online Account Service. On receipt of the verification code, you are then required to input the verification code sent to your mobile phone on the CU Online+ Account Service to authorise and complete the addition of the new Payee and continue to the submission of a Payment Order. Alternatively, we may contact you via telephone to verify the information provided by you or verify such information with you in person in our Office.
When making a payment to a payee by credit transfer, you are required to log in to the CU Online+ Account Service and choose the relevant utility company from a drop down menu. You will then be directed to a page wherein you are required to submit your account number referable to that utility company. The verification process as outlined in Clause 2.4 applies in this regard.
When making a payment to a payee by direct debit you should contact the payee you want to pay. The payee will take you through the process, and then pass the details on to our Credit Union. It is important to be aware that a direct debit usually (if recurring) allows a payee to deduct different amounts from your Account and at different times.
To make a payment to a payee by standing order you should log into the CU Online+ Account Service, and where the payee is a new payee you should set up a “New External Payee” in accordance with Clause 2.4 of this Appendix. Following this you are required to select the “Standing Order” Tab on the Homepage and select the new payee from the drop-down menu. You must also select a message for the receiver, an amount, a frequency of payment, the next processing date and a final payment date.
Applying for an Online PIN
When registering for access to the CU Online+ Account Service, you will be required to apply for an Online PIN.
When applying for an Online PIN in our Office(s), you will be required to provide the following verification documents:
- photographic identification in the form of a passport and/or driver’s licence;
- proof of address (dated within the previous three months);
- your mobile number; and
- your email address.
This information will be inserted into our system and used to update your Account accordingly. When your identity has been verified, an Online PIN will be generated randomly (in the interest of security) by the CU Online+ Account Service. Your Online PIN will then be issued to you. As an additional security measure, we may, prior to issue of any Online PIN, request you to provide us with a hard-copy Online PIN request letter for our records.
When applying for an Online PIN via our website, you will be required to complete all required fields on the online application form and insert the code as shown. On clicking “Submit Form”, the online application form will be emailed to us. On receipt of your online application form, we will then contact you to confirm your identity and the validity of the Online PIN Request. Where your account information is not up to date we will inform you of this and ask you to update your Account records before an Online PIN can be issued. Upon confirmation of the above from you we will then proceed to issue you with an Online PIN which will be sent to you by post to the address as provided.
In the event that the verification documents as applicable to your Account are out of date, we reserve the right to deny your request for an Online PIN. We will notify you of same by email or telephone. You will be required to provide up to date photographic identification and proof of address within the previous three months before we can proceed to issue an Online PIN to you.
Strong Customer Authentication will be applied to the first log-in (when live) to your CU+ On-line Service.
Lost Your PIN Service
In the event that you have lost your Online PIN, you can apply for a new Online PIN through the Lost Your PIN service available on our website. A new Online PIN will be issued to you in accordance with Clause 3.3 of this Appendix 1.
If you do not wish to use the Lost Your PIN service available on our website, you may call into our Office(s) to have a new Online PIN issued to you in accordance with Clause 3.2 of this Appendix 1.
Unauthorised Access to your CU Online+ Account Service
In the event that you have any reason to believe or suspect that somebody has learned or discovered your Online PIN, username or password, and/or gained access to the CU Online+ Account Service using your Online PIN, you must:
- immediately make an application for a new Online PIN in accordance with Clause 3 of this Appendix 1 on our website or in our Office(s); and
- notify us immediately using the contact details on our website.
- In the event that you have reason to believe or suspect fraudulent use of the CU Online+ Account Service, you must notify us immediately using the contact details on our website.
- All reports made regarding suspicious or fraudulent use of the CU Online+ Account Service will be dealt with as a matter of urgency by our Credit Union during Office opening hours.
- Following a report or identification of suspicious or fraudulent use of the CU Online+ Account Service, we reserve the right to suspend access to your Account pending completion of a full investigation by our Credit Union and the appropriate authorities (where necessary).
- Access to your Account will not be restored until we are satisfied with the outcome of the investigation.
- We reserve the right to issue a new Online PIN where necessary.
Inactive sessions on our CU Online+ Account Service will result in the automatic termination of your access and will require you to log back in.
The maximum period after which an inactive session is automatically terminated on the CU Online+ Account Service website is 10 minutes, unless we advise you otherwise.
We shall put in place reasonable processes to ensure that all Transactions on the CU Online+ Account Service are appropriately traced.
Transactions on the CU Online+ Account Service are monitored and reviewed by our Credit Union prior to the processing of such Transactions and on a regular basis thereafter to prevent, detect and block fraudulent transactions.
Notification & Setting of Limits
- The limit for each Transaction on the CU Online+ Account Service is such amount as we will advise you from time to time.
- We reserve the right to change the limits for the use of our CU Online+ Account Service from time to time at our discretion and whether member specific or members at large.
Making a Security Related Complaint
Any queries, complaints, requests for support and notifications of security related incidents regarding the CU Online+ Account Service should be made by email to the email address listed on our website.
All queries, complaints, requests for support and handling of security related incidents will be dealt with by us during our Office opening hours.
We may make amendments or variations to this Appendix 1 from time to time at our discretion. Any such amendments or variations to this Appendix 1 will be communicated via our website.