1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice ulsterbank.ie/privacy. It’s important that you read this carefully together with these Terms.
If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.
1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.
2. OUR DETAILS
We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.
3. THE SERVICE
3.1 You can only use Mobile Banking if:
· You’re 11 or over
· You’re registered for online banking
· You have a valid mobile phone number
3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.
3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.
3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.
4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details) and you must tell us as soon as possible if you think someone else might know your security details by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.
4.2 We’ll never ask you to disclose your full security details to us or to any other person or organisation.
4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.
4.4 If your device is lost or stolen you must contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.
4.5 You must delete the App from your device if you change your device or dispose of it.
5. INCORRECT OR UNAUTHORISED PAYMENTS
If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.
6. YOUR CONTACT DETAILS
If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.
You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.
When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.
We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the ROI.
10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.
10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.
10.3 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.
11. OUR LIABILITY
We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.
12.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contact us on our webchat service.
12.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.
12.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:
· we reasonably believe that your security details haven’t been kept safe;
· we reasonably suspect that your security details have been used fraudulently or without your permission;
· as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
· we believe it’s appropriate in order to protect your account(s);
· you’ve broken any of the Licence Terms set out below.
We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.
12.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.
12.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:
· notifying you within the App;
· sending a text message (to the mobile phone number you gave us);
· sending an email (to the email address you gave us);
· delivering a secure message to online banking; or
· sending you notice by post.
We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.
13. LICENCE TERMS
13.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:
· you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;
· you can only use the App for Mobile Banking and for no other purpose;
· the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
· you must not copy, reproduce, alter, modify or adapt the App or any part of it;
· you must not analyse or reverse engineer the App or any part of it;
· you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
· if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.
13.2 The Licence includes the right to use any future updates to the App that we make available to you.
13.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).
13.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.
13.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.
Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2, D02 VR98.
Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.