Horizon Bank Mobile Banking App 

Please read and accept the following terms and conditions. By clicking on the 'Accept' button you are confirming you understand and accept the terms and conditions for the Horizon Bank Mobile Banking App.

The Horizon Bank Mobile Banking App is designed for smart phone devices, which offers a fast, simple and convenient Mobile Banking experience. With the Horizon Bank Mobile Banking App you can perform your banking, wherever you go.

The Horizon Bank Mobile Banking App is not a stand-alone product. It is an additional feature of Online Banking and is available to Horizon Bank members who have registered for Online Banking.

Each time you use the Horizon Bank Mobile Banking App these Terms and Conditions along with the Horizon Banking Access Facilities terms and conditions will apply.

These Terms and Conditions operate in conjunction with any terms and conditions which apply to any accounts accessed by use of this service.

Features

The Horizon Bank Mobile Banking App will allow you to:

• check your account balance and transaction history;
• transfer money between your accounts;
• pay your bills using BPAY;
• make internal transfers to other memberships; and
• make transfers to other financial institutions.
• Lock card;
• Report card lost or stolen; and
• Request replacement card.

Online Banking transaction limits will apply.

Security

The Horizon Bank Mobile Banking App provides a high level of security. We will refund your money if your account is compromised due to internet fraud, as long as you comply with the Horizon Banking Access Facilities Terms and Conditions

This includes:

• Keeping your Member number, Online Banking password and the Mobile Banking App PIN number or pattern private;
• Ensure your mobile devices are covered by the latest software and security updates available;
• Setting a device PIN or password on your mobile phone;
• Ensuring that you do not opt for fingerprint recognition if yours is not the only print stored in the phone;

Log In

To log into the Horizon Bank Mobile Banking App for the first time you will use your Online Banking member number/user name and password.

When you register for the Horizon Bank Mobile Banking App you can set a four to nine digit PIN or pattern to access the service.

Protecting your PIN

You should always:

• Memorise the PIN/pattern as soon as possible if you record it, disguise it, so others can't decipher it; and
• If you nominate a PIN, use a number that is not obvious or can't be easily guessed (e.g. don't use date of birth or drivers licence number).

You must never:

• Tell or let anyone find out your PIN/pattern not even family or friends;
• Record a PIN/pattern on your phone or computer; and
• Keep a record of the PIN/pattern with your phone.

Other things you must do

You must:

• Lock your phone and take any reasonable steps to stop unauthorised use;
• Notify us immediately if your phone is lost or stolen or you suspect your access PIN has become known to someone else; and
• Only install approved applications on your phone.

Don’t ever

• Leave your phone unattended and logged into the Horizon Bank Mobile Banking App; or
• Use the Horizon Bank Mobile Banking App with a phone or device other than a compatible phone.

Under the ePayments Code you may be liable for losses arising from an unauthorised transaction if you breach any of the Horizon Banking Access Facilities terms and conditions.

Suspension or Termination

We may suspend or terminate your use of the Horizon Bank Mobile Banking App without notice at any time if we suspect unauthorised transactions have occurred or that the Horizon Bank Mobile Banking App is being misused.

Changes to these Terms and Conditions

We may change these Terms and Conditions at any time. We will notify you of any material changes by electronic notice to you via your phone or the App store or Google Play Store.

Outside Australia

If you travel outside of Australia you may still have access to the Horizon Bank Mobile Banking App. You should check with your telephone communications provider that the mobile device will be able to use relevant networks in those countries in which you are travelling. Horizon Bank is not liable for any additional costs you may incur.

Mobile Banking Costs

We do not charge a licence fee for the Horizon Bank Mobile Banking App, however, you may incur data charges from your mobile network provider for downloading the app and performing transactions with the app. Check with your relevant service provider for more details.

There are no extra costs for using the Horizon Bank Mobile Banking App. Standard fees and charges do apply. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider or your mobile phone service provider for more details. Access is subject to availability and maintenance.

Which mobile phones are supported?

Not all mobile devices are capable of accessing and using the Horizon Bank Mobile Banking App. You are responsible for using, having or obtaining a compatible mobile device in connection with any use of this service. We support the following systems:

• Apple iOS 9.0 and above
• Android Version 4.2 and above

ePayments Code and Customer Owned Banking Code of Practice

In providing you with the Horizon Bank Mobile Banking App, Horizon Bank warrants that it will comply with the ePayments Code and the Customer Owned Banking Code of Practice.

Trademark

iPhone is a trademark of Apple Inc. registered in the U.S. and other countries.