Secure Online Shopping Terms and Conditions

Terms and Conditions

NAB Secure Online Shopping

Things You Should Know

The Secure Online Shopping Terms and Conditions apply to any use of the Verified by Visa or MasterCard SecureCode service from NAB.

Please print a copy of these Secure Online Shopping Terms and Conditions for future reference or, alternatively, you will be able to view or download a copy from the Secure Online Shopping section of NAB's website at nab.com.au.

You may change your password as frequently as you wish by using the Update Info menu option for Verified by Visa or the Account Management menu option for MasterCard SecureCode on the website for NAB's Secure Online Shopping service. Refer to 6.1 of these Secure Online Shopping Terms and Conditions for further guidance on password selection.

If you believe that your password has become known to anyone other than you, please notify NAB by calling a Customer Service Representative on 1300 888 659.

If you believe that there has been an unauthorised transaction using the service please notify NAB by calling 13 22 65 and selecting the option to speak to a Customer Service Representative.

The meaning of words printed like this in these Secure Online Shopping Terms and Conditions is explained in 14 "Meanings of words".

1. Application of NAB's Electronic Banking Terms and Conditions to EFT Transactions made using the Service

These Secure Online Shopping Terms and Conditions apply to a NAB Credit Card, NAB Personal Project Loan and NAB Visa Debit card.  The Electronic Banking Terms and Conditions pertaining to these products can be found in the following documents located on nab.com.au:

  • For a NAB Credit Card – NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan – NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007) – hereafter the "Project Loan Terms and Conditions"
  • For a NAB Visa Debit card – Personal Transaction and Savings Products Terms and Conditions

1.1 The Electronic Banking Terms and Conditions issued to you in connection with your account will apply to EFT Transactions initiated by you using your card account details and password for a NAB Credit Card, NAB Personal Project Loan and NAB Visa Debit card subject to the following:

  • Wherever the words "Your card account details" or "Your card details" appear in the Electronic Banking Terms and Conditions, they will be followed by the words "or Your card account details and password" or "or Your card details and password". "Password" will have the meaning set out in 14 "Meaning of words".
  • The responsibilities described in 6 "Password and security" and 7 "Accountholder liability for unauthorised transactions" in these Secure Online Shopping Terms and Conditions will form part of the Electronic Banking Terms and Conditions as follows:

  • For a NAB Credit Card – Clause 6 of NAB Electronic Banking (card based) Product Disclosure Statement

  • For a NAB Personal Project Loan – Clauses 18 and 19 of NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or Clauses 17 and 18 of  NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)

  • For a NAB Visa Debit card – Clause 34 of Personal Transaction and Savings Products Terms and Conditions

1.2 By registering for the service and agreeing to the Secure Online Shopping Terms and Conditions applicable to the service you will also be agreeing to these changes to the Electronic Banking Terms and Conditions. These changes ensure the rights and obligations outlined in the Electronic Banking Terms and Conditions continue to comply with the EFT Code and offer guidance on the proper and safe use of card based electronic banking facilities.

2. Application of account terms and conditions

The Secure Online Shopping Terms and Conditions are in addition to the terms and conditions applying to your account and transactions using your card. If there is any inconsistency between the Secure Online Shopping Terms and Conditions and the account or Electronic Banking Terms and Conditions the Secure Online Shopping Terms and Conditions apply to your use of the service to the extent of that inconsistency.

3. Offer

3.1 NAB offers to make the service available to you on these Secure Online Shopping Terms and Conditions.

3.2 You will be taken to have registered for the service and accepted the Secure Online Shopping Terms and Conditions when you complete the registration process described in 4 "Registration" and you have clicked on the button provided on the screen to indicate you have accepted the Secure Online Shopping Terms and Conditions.

4. Registration

4.1 You will be registered as a user of the service once you have:

(a) provided your card account details, your name as it appears on your card and

  • for NAB Credit Cards and NAB Personal Project Loans the credit limit applicable to the account or to the card in the case of a business account; or
  • for NAB Visa Debit card, your date of birth

when prompted by the online registration process;

(b) selected your password;

(c) selected a "Personal Assurance Message" if prompted by the online registration process;

(d) provided any other details required by NAB; and

(e) accepted these Secure Online Shopping Terms and Conditions under 3 "Offer".

The details of each card you wish to use in connection with the service must be registered separately by you.

4.2 Each cardholder is required to register separately for the service and to provide their own details on registration.

4.3 If you are unable to provide the information NAB requires from you on registration to enable your identity to be validated, or the information you provide is inaccurate or incomplete, you may be unable to register for the service.

4.4 The information you provide on registration for the service and which is used to identify you will be retained and used in connection with the service to:

(a) confirm your identity in connection with future online EFT Transactions, which are made using the service;

(b) maintain record keeping; and

(c) assist in the resolution of online EFT Transaction complaints and disputes arising from use of the service.

4.5 When selecting a "Personal Assurance Message" for use in connection with the service, you should not include any language which NAB considers to be inappropriate. Registration or access to the service may be denied in these circumstances.

5. Use of the service

5.1 Once you have registered for the service and accepted the Secure Online Shopping Terms and Conditions under 3, you may use the service to make purchases online with participating online retailers in accordance with the Secure Online Shopping Terms and Conditions unless your usage of the service is cancelled or suspended under the Secure Online Shopping Terms and Conditions.

5.2 If you are unable to provide your password in connection with an EFT Transaction using this service or if the authentication through the service otherwise fails, the participating online retailer may elect not to accept your card details in payment for that EFT Transaction.

5.3 You may only use the service and the service will only be available in connection with participating online retailers.

5.4 The accountholder is responsible for any use of the service by a cardholder.

6. Password and security

6.1 Security requirements

You must choose a new password whenever you are required to by NAB.

You must:

(a) not voluntarily disclose your password to any other person including a family member or friend;

(b) not act with extreme carelessness in failing to protect the security of the password; and

(c) not record your password (without making any reasonable attempt to protect the security of the password) on the card or on any article carried with the card or liable to loss or theft simultaneously with the card.

When NAB allows you to select the password or change the password you must not select:

(i) a code, which represents your date of birth; or

(ii) a code which is a recognisable part of your name.

Either of these selections may mean you are liable for losses caused by unauthorised transactions caused by a breach of your password.

These security requirements form part of the responsibilities outlined in the Electronic Banking Terms and Conditions contained in the following documents:

  • For a NAB Credit Card - Clause 6.5 of NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan - Clause 19.7 of NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or Clause 18.7 of  NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)
  • For a NAB Visa Debit card – Clause 34.5 of Personal Transaction and Savings Products Terms & Conditions.

6.2 Guidelines

You should comply with these guidelines to protect the security of your password and thus reduce the possibility of any inconvenience to you:

(a) do not permit any other person to use your password;

(b) take reasonable care when using your password to ensure it is not disclosed to any other person;

(c) should you make a memory aid to recall your password you may make such a record providing the record is reasonably disguised. However NAB does not consider the following examples to provide a reasonable disguise and you agree not to:

(i) record the disguised password on the card;

(ii) disguise a password by reversing the sequence;

(iii) describe the disguised record as "Verified by Visa password record" or "MasterCard SecureCode password record" or "password record" or "Verified by Visa" or "MasterCard SecureCode" or any easily recognisable abbreviation of "Verified by Visa" or "MasterCard SecureCode ";

(iv) disguise the password as a telephone number, part of a telephone number, postcode or date of birth;

(v) disguise the password using alphabetical characters eg A= 1,B=2,C=3 etc.

There may be other forms of disguise which may be similarly unsuitable because of the ease of another person discerning your password.

These security guidelines are in addition to and will form part of the security guidelines set out in the Electronic Banking Terms and Conditions and are for your assistance. You should take care to meet these guidelines as a failure to do so may in some circumstances constitute an act of extreme carelessness under 6.1(b) above.

However the accountholder's liability in the case of actual loss will be governed in accordance with 7 "Accountholder liability for unauthorised transactions" and the relevant clause of the Electronic Banking Terms and Conditions as contained in the following documents;

  • For a NAB Credit Card- Clause 6.5 of  NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan – Clause 19.9 of NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or Clause 18.9 of  NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)
  • For NAB Visa Debit card- Clause 34.5 of  Personal Transaction and Savings Products Terms and Conditions

6.3 Advising NAB

If you believe your password has been compromised you must advise NAB as soon as possible. Please refer to the contact details above. Once NAB has been notified, the accountholder's liability for further EFT Transactions in connection with the service will be limited. NAB will acknowledge your report and you should record or retain this acknowledgment.

7 Accountholder liability for unauthorised transactions

7.1 The accountholder's liability for losses arising from unauthorised transactions in connection with the service, subject to 1 above, is set out in the Electronic Banking Terms and Conditions as contained in the following documents:

  • For a NAB Credit Card – Clause 6  of  NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan – Clauses 19.8 & 19.9  of NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or Clauses 18.8 & 18.9 of NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)
  • For a NAB Visa Debit card – Clause 34 of Personal Transaction and Savings Products Terms and Conditions

7.2 The following will also apply. 
The accountholder's liability for any use of the service not authorised by you may be limited as provided below:

  • No accountholder liability in some circumstances
    The accountholder is not liable for losses:

(i) resulting from unauthorised transactions occurring after notification to NAB that the security of the password has been breached; and

(ii) arising because the password is forged, faulty, expired or cancelled.

  • Accountholder liability for unauthorised transactions

The accountholder is liable for losses resulting from unauthorised transactions as provided below:

(i) where NAB can prove on the balance of probability that you have contributed to the losses through your fraud or your contravention of the security requirements of 6.1 above, the accountholder is liable for the actual losses which occur before NAB is notified that the security of the password has been breached.

However the accountholder is not liable for any of the amounts set out in the Electronic Banking Terms and Conditions as follows:

  • For a NAB Credit Card – Clause 6.4(a) of NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan – Clause 19.9(a) of NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or Clause 18.9(a) of the NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)
  • For a NAB Visa Debit card – Clause 34.4(a) of Personal Transaction and Savings Products Terms and Conditions

In addition the accountholder is not liable for any losses incurred on  accounts which the accountholder and NAB had not agreed could be accessed by the password.

(ii) where NAB can prove on the balance of probability that you contributed to losses resulting from unauthorised transactions because you unreasonably delayed notifying NAB after becoming aware that the security of the password had been breached, the accountholder will then be liable for the actual losses which occur between the time you became aware and when NAB was actually notified.

However the accountholder will not be liable for any of the amounts set out in the Electronic Banking Terms and Conditions as contained in the following documents:

  • For a NAB Credit Card – Clause 6.4(b) of NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan – Clause 19.9(b) of  NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or Clause 18.9(b) of  NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)
  • For a NAB Visa Debit card – Clause 34.4(b) of Personal Transaction and Savings Products Terms and Conditions

In addition the accountholder is not liable for any losses incurred on accounts which the accountholder and NAB had not agreed could be accessed by using the password.

(iii) where the password was required to perform the unauthorised transaction and neither paragraphs (i) or (ii) above applies, the accountholder is liable for the least of:

  • $150;
  • the balance of those account(s) (including any prearranged credit) from which value was transferred in the unauthorised transaction and which NAB and the accountholder have agreed may be accessed using the password; or
  • the actual loss at the time NAB is notified (where relevant) that the security of the password has been breached (excluding that portion of the losses incurred in any one day which exceeds any applicable daily transaction or other periodic transaction limit(s)).

8 Lost/stolen cards, change of accounts, change of name

Changes to any card or account details which you provided on registration for the service will be updated automatically in the event NAB issues you with a new card or account (as applicable).

The Secure Online Shopping Terms and Conditions will continue to apply to the use of the service with your new card or account (as applicable). For example:

(a) if the account is replaced because a card has been reported lost or stolen and you have been issued a new card by NAB (excluding a NAB Visa Debit Emergency Card Replacement);

(b) if in the case of a business account your card has been reported lost or stolen and a new card has been issued to you by NAB;

(c) if you notify NAB that the name appearing on your card has changed (for example changing to a married name from a maiden name) and a new card is issued to you; or

(d) if the account is replaced by NAB following the accountholder's request to transfer to a new account. This example does not apply to business accounts or business customers, Personal Project Loan accountholders or NAB Visa Debit cardholders. Further where the new account is of a different credit card scheme than the account it replaces (for example the new account is a Visa account and the replaced account is a MasterCard or vice-versa), you will need to separately register the new account for the service.

Any update of your service details may take up to two banking days to complete and you may not be able to perform EFT Transactions using the service during this time.

9 Availability and functionality of the service

NAB may at any time:

(a) discontinue or suspend (temporarily or permanently) the service or your registration with the service; and

(b) add to, remove, change or impose restrictions on, the functionality of the service including, without limitation, the type of account or card which may be used in connection with the service.

10 Termination

If you want to terminate your use of the service you must advise NAB by calling 1300 888 659.

11 Participating online retailers and third party website material

11.1 NAB's website may contain:

(a) links to third party websites including the websites of the various participating online retailers; and

(b) material provided by third parties (including participating online retailers) to be used in connection with the service ("third party material").

To the extent permitted by law, NAB does not make any representations or warranties:

(i) in connection with the quality, merchantability or fitness for purpose of any product or service available through a third party website or referred to in the third party material; or

(ii) that any third party or the third party material contained on third party websites does not infringe the intellectual property rights of any person.

11.2 The terms and conditions applicable to the account you access using the service describe NAB's responsibility for any goods or services supplied to you by a merchant. Those terms and conditions will apply to any goods or services supplied to you by a participating online retailer in connection with the account. You should refer to those terms and conditions to understand your responsibility to resolve any complaint with the participating online retailer.

12 Alterations to the Secure Online Shopping Terms and Conditions

12.1 The Secure Online Shopping Terms and Conditions may be altered, amended or added to by NAB at any time.

12.2 Any change will be made in accordance with the Electronic Banking Terms and Conditions as contained in the following documents:

  • For a NAB Credit Card - Clause 8 of NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan- Clause 26 of NAB Personal Project Loans Terms and Conditions  (for accounts approved prior to 18 June 2007) or Clause 25 of NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)
  • For a NAB Visa Debit card – Clause 13 of Personal Transaction and Savings Products Terms and Conditions

13 Privacy Act 1988 (Cth)

The Privacy Act 1988 (Cth) applies to these Secure Online Shopping Terms and Conditions if you are an individual and at the time you accepted these Secure Online Shopping Terms and Conditions you provided personal information about  yourself or any other individual.

You can obtain from any of NAB's branches, the NAB Privacy Policy which explains NAB's privacy practices with respect to the collection, use and disclosure of your personal information. The Privacy Policy outlines your privacy rights along with NAB's rights and obligations under the Privacy Act.

14 Meaning of words

account(s) means the account(s) which NAB has determined is accessible by the service and includes a business account unless otherwise stated.

accountholder(s) means the person(s) in whose name(s) the account is held and includes a business customer unless otherwise stated.

banking day means a day other than a Saturday or Sunday or a day gazetted as a public holiday throughout Australia.

business account means an account that is designed primarily for use by a business and established primarily for business purposes.

business customer means the accountholder of a business account.

business EFT Transactions has the same meaning as in the NAB Electronic Banking (card based) Product Disclosure Statement.

card means a card issued by NAB in relation to an account.

card account details or card details mean
  • Your card number; and
  • Your card expiry date 

as set out on your card

cardholder means a person who has been issued a card or any other person who has been nominated by the accountholder(s) to operate the account by use of a card.

EFT Code means the Electronic Funds Transfer Code of Conduct.

EFT Transaction(s) has the same meaning as in the Electronic Banking Terms and Conditions subject to 1 above and includes business EFT Transactions unless otherwise stated.

Electronic Banking Terms and Conditions - Terms and conditions issued by NAB in connection with Electronic Banking and contained in the following documents:

  • For a NAB Credit Card – NAB Electronic Banking (card based) Product Disclosure Statement
  • For a NAB Personal Project Loan – NAB Personal Project Loans Terms and Conditions (for accounts approved prior to 18 June 2007) or NAB Personal Project Loan Terms and Conditions (for accounts approved on or after 18 June 2007)
  • For a NAB Visa Debit card – Personal Transaction and Savings Products Terms and Conditions

NAB means National Australia Bank Limited ABN 12 004 044 937 and includes its successors and assigns.

participating online retailer means a merchant who has agreed to participate in the service and is designated as a participating online retailer.

password means the password personally selected by you to access the service.

service means the service known as Verified by Visa or MasterCard SecureCode made available to you by NAB as a way of increasing the security of online EFT Transactions.

third party websites means websites other than the websites operated by NAB or any of its related corporations and which are operated by third parties.

unauthorised transaction(s) for NAB Credit Card and NAB Visa Debit card  customers has the same meaning as in the Electronic Banking Terms and Conditions subject to 1 above. For NAB Personal Project Loan accountholders it means any EFT Transaction you claim you or any cardholder did not engage in or have knowledge of or consent to even though the card details and password were used to generate the disputed EFT Transaction.

you and your means the accountholder or a cardholder unless otherwise stated.