Suncorp Secured App Terms and Conditions and Licence Agreement

For Suncorp Secured App up to and including version 1.7

For Suncorp Secured App version 1.7.1 and above

For Suncorp Secured App up to and including version 1.7

Effective 1 November 2021

We have amended these Suncorp Secured App Terms and Conditions and Licence Agreement to reflect changes to the functionality to allow customers to deactivate their Suncorp Secured App via Suncorp Secured App.

1. Introduction

Suncorp Secured App is a Security Token application that generates Security Token Codes that may be required to authenticate a transaction request or non-financial action (such as a password change) in Suncorp Internet Banking, Suncorp App and Suncorp Bank App. Suncorp Secured App Security Token Codes may be also required when authorising to share Suncorp Bank data with an Accredited Data Recipient through Consumer Data Right (Open Banking). Together with the Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions, Suncorp Bank App Terms and Conditions and your Account Terms and Conditions, these Suncorp Secured App Terms and Conditions and Licence Agreement (“Terms and Conditions”) form a legal contract between you, Suncorp-Metway Limited (“Us” or “Suncorp”), and Suncorp Corporate Services Pty Ltd in relation to your use of Suncorp Secured App.

In order to use Suncorp Secured App, you must accept these Terms and Conditions. It is therefore important that you read and understand these Terms and Conditions. Where inconsistent, these Terms and Conditions will override the Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions and Suncorp Bank App Terms and Conditions . Capitalised terms that are undefined in these Terms and Conditions take their meaning from the Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions and Suncorp Bank App Terms and Conditions.

2. Eligibility

In order to register for Suncorp Secured App, you will need to;

be registered for the Suncorp App, or Suncorp Internet Banking; and
have an eligible mobile device.

Suncorp Secured App can only be used on one mobile device. A user can only have one token active at any time.

3. Fees and Charges

Using Suncorp Secured App will not incur any additional fees charged by Suncorp.

You may incur charges from your internet and/or mobile service provider for downloading and using Suncorp Secured App and for using Mobile Banking and Suncorp Internet Banking. Any such charges are your sole responsibility and any matter regarding these charges should be raised with your mobile service provider.

4. Mobile device not present

You won’t be able to use the Suncorp Secured App if you do not have your mobile device.

If you require a security token urgently, you can contact Us on 13 11 55 (or from overseas on +61 7 3362 1712) and request an emergency token code. This can be used for Suncorp Internet Banking only.

5. Deregistering from Suncorp Secured App or changing your mobile device

If you wish to deregister from Suncorp Secured App, you can do so via the Suncorp Secured App by selecting Deactivate Token located in the settings menu. Alternatively, you can contact us on 13 11 55 and request to deregister from Suncorp Secured App.

Removing Suncorp Secured App from your mobile device will not deregister Suncorp Secured App from Suncorp Internet Banking, Suncorp App or Suncorp Bank App. In this instance, Suncorp Internet Banking, Suncorp App or Suncorp Bank App may still request a Security Token Code for certain Transactions and you may not be able to complete Transactions without Suncorp Secured App.

If you do not complete the de-registration process and you are requested to enter a Security Token Code, you are able to call Suncorp on 13 11 55 (or from overseas on +61 7 3362 1712) to request assistance. Suncorp will not be liable for any delay or failure to process your Transaction as a result of you not completing the de-registration process.

If you change your mobile device and wish to continue using Suncorp Secured App, you’ll need to download Suncorp Secured App on the new device and when you successfully register on the new device, Suncorp Secured App on the old device will be deregistered.

6. Joint Account Holders

Joint account holders must separately register for Suncorp Secured App using;

their own Suncorp App or Suncorp Internet Banking credentials; and
a separate mobile device.

7. Business Account Holders

Business account holders must ensure that any person they authorise to operate the account complete separate registrations for Suncorp Secured App using:

their own Suncorp App or Suncorp Internet Banking credentials; and
separate mobile devices.

Business account holders must also ensure those authorised to operate the account are given a copy of the Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions and Suncorp Bank App Terms and Conditions to ensure they are aware of their obligations when using Suncorp Secured App.

8. Your Obligations

In addition to your obligations in the Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions and Suncorp Bank App Terms and Conditions, you agree you will:

Not leave your mobile device unattended and left logged into Suncorp Secured App.
Lock your mobile device or take other steps necessary to prevent unauthorised use of Suncorp Secured App.
Notify Suncorp immediately if your mobile device is lost or stolen, or if your mobile device service is suddenly disconnected without your permission.
Not use Suncorp Secured App for any purpose other than to respond to an authentication request for Suncorp Internet Banking or Mobile Banking transactions, or to authorise to share Suncorp Bank data with an Accredited Data Recipient.
Not act fraudulently or maliciously in relation to the Suncorp Secured App or software. As examples, you will not copy, modify, adversely effect, reverse engineer, hack into or insert malicious code into the Suncorp Secured App or software.
Only install authorised and authentic applications on your mobile device, and that you will not override the software lockdown on your mobile device (for example ‘obtaining root access’ on an Android device and ‘jailbreaking’ on an Apple device).

9. Liability and Indemnity

The Suncorp Internet Banking Terms and Conditions, Suncorp Bank App Terms and Conditions, and Suncorp App Terms and Conditions set out the liability of you and Suncorp when using Suncorp Secured App, depending on the platform that you use to make Transactions.

Without limiting the above:

Suncorp will not be responsible for any inability and/or failure of your mobile device to access or use Suncorp Secured App, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Suncorp Secured App (including downloading any associated applications for Suncorp Secured App), and you should satisfy yourself as to these matters before attempting to access or use Suncorp Secured App.
Suncorp will not be liable for any loss arising from your use of Suncorp Secured App, including loss arising from any security breach, if you have acted fraudulently (either alone or together with any other person), if you have installed applications on your mobile device other than those available from the Apple App Store, Google Play or other location permitted by Suncorp, or if you have caused or contributed to that loss, for example, by failing to comply with any of these Terms and Conditions, Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions or the Suncorp Bank Terms and Conditions.

You acknowledge that any unauthorised reproduction by you of any proprietary information provided or available via Suncorp Secured App or any portion of it may result in legal action being taken.

When you initiate a call through Suncorp Secured App on your mobile device, you will exit the application and the call will be made using your chosen mobile device’s dialler. Suncorp will not be liable in any way if your dialler redirects you to a fraudulent or incorrect number.

10. Help Desk

For assistance in your use of Suncorp Secured App please call Suncorp on 13 11 55 (or from overseas on +61 7 3362 1712). This service is available as per the Contact Centre Hours provided on the Suncorp website. This service is provided on the condition that neither we nor our employees will be liable for any direct or indirect loss suffered by you, resulting from your use of the service.

This service will not be responsible for providing advice specific to your mobile device, including data connections, cellular charges to your mobile device accounts.

11. Suspension or Termination of use and service quality

Suncorp may suspend or terminate your use of Suncorp Secured App at any time. The provision and subsequent use of Suncorp Secured App is subject to the reliability and availability of third party service providers including software providers and network service providers. Suncorp will not be liable for any direct or indirect loss suffered by you, as a result of a reduced level of service caused by any third party.

12. Changes to Suncorp Secured App Terms and Conditions

Suncorp can change the Suncorp Secured App Terms and Conditions at any time. However, in respect of the following changes only, Suncorp will give you 30 days prior notice of any changes which:

Impose or increase charges relating solely to the use of Suncorp Secured App; or
Increase your liability for losses relating to transactions conducted using Suncorp Secured App.

Suncorp will notify you of the above changes by written or electronic notice to you (including via your mobile device), or any other method as allowed by applicable laws.

For Suncorp Secured App version 1.7.1 and above

Effective 3 November 2023

We have amended these Suncorp Secured App Terms and Conditions and Licence Agreement to make it easier to read and fairer to you when we make decisions that affect your use of the Suncorp Secured App, such as:

When we can suspend or terminate your use of the Suncorp Secured App;
When we can change these Terms and Conditions; and
When we might be liable for loss.

1. Introduction

2. Eligibility

In order to register for Suncorp Secured App, you will need to;

be registered for the Suncorp App, or Suncorp Internet Banking; and
have an eligible mobile device.

Suncorp Secured App can only be used on one mobile device. A user can only have one token active at any time.

3. Fees and Charges

Using Suncorp Secured App will not incur any additional fees charged by Suncorp.

4. Mobile device not present

You won’t be able to use the Suncorp Secured App if you do not have your mobile device.

If you require a security token urgently, you can contact Us on 13 11 55 (or from overseas on +61 7 3362 1712) and request an emergency token code. This can be used for Suncorp Internet Banking only.

5. Deregistering from Suncorp Secured App or changing your mobile device

6. Joint Account Holders

Joint account holders must separately register for Suncorp Secured App using;

their own Suncorp App or Suncorp Internet Banking credentials; and
a separate mobile device.

7. Business Account Holders

Business account holders must ensure that any person they authorise to operate the account complete separate registrations for Suncorp Secured App using:

their own Suncorp App or Suncorp Internet Banking credentials; and
separate mobile devices.

8. Your Obligations

In addition to your obligations in the Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions and Suncorp Bank App Terms and Conditions, you agree you will:

Not leave your mobile device unattended and left logged into Suncorp Secured App.
Lock your mobile device or take other steps necessary to prevent unauthorised use of Suncorp Secured App.
Promptly notify Suncorp if your mobile device is lost or stolen, or if your mobile device service is suddenly disconnected without your permission.
Not use Suncorp Secured App for any purpose other than to respond to an authentication request for Suncorp Internet Banking or Mobile Banking transactions, or to authorise to share Suncorp Bank data with an Accredited Data Recipient.
Not act fraudulently or maliciously in relation to the Suncorp Secured App or software. As examples, you will not copy, modify, adversely effect, reverse engineer, hack into or insert malicious code into the Suncorp Secured App or software.
Only install authorised and authentic applications on your mobile device, and that you will not override the software lockdown on your mobile device (for example ‘obtaining root access’ on an Android device and ‘jailbreaking’ on an Apple device).

9. Liability and Indemnity

It is your choice to register (or deregister) for Suncorp Secured App. Suncorp accepts no liability for any loss or consequences to you whatsoever that result from this decision, including in the event Suncorp refuses or fails to process a Transaction requiring a Security Token Code or delays in doing so, except to the extent that the loss or consequences are caused by Suncorp's fraud, negligence or willful misconduct or that of its officers, employees, contractors or agents.

Without limiting the above:

Suncorp will not be responsible for any inability and/or failure of your mobile device to access or use Suncorp Secured App, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Suncorp Secured App (including downloading any associated applications for Suncorp Secured App), and you should satisfy yourself as to these matters before attempting to access or use Suncorp Secured App.
Suncorp will not be liable for any loss arising from your use of Suncorp Secured App, including loss arising from any security breach, if you have acted fraudulently (either alone or together with any other person), if you have installed applications on your mobile device other than those available from the Apple App Store, Google Play or other location permitted by Suncorp, or if you have caused or contributed to that loss, for example, by failing to comply with any of these Terms and Conditions, Suncorp Internet Banking Terms and Conditions, Suncorp App Terms and Conditions or the Suncorp Bank Terms and Conditions except to the extent that the loss is caused by Suncorp's fraud, negligence or willful misconduct or that of its officers, employees, contractors or agents.

You acknowledge that any unauthorised reproduction by you of any proprietary information provided or available via Suncorp Secured App or any portion of it may result in legal action being taken.

10. Help Desk

This service will not be responsible for providing advice specific to your mobile device, including data connections, cellular charges to your mobile device accounts.

11. Suspension or Termination of use and service quality

Suncorp may suspend or terminate your use of Suncorp Secured App if:

you breach the Suncorp Secured App Terms and we believe immediate termination is necessary for us to manage an immediate and material risk to our Legitimate Interests;
we have reasonable grounds to believe that your Suncorp Secured App is being used is in connection with fraud, misuse or for any other inappropriate use;
we have reasonable grounds to believe that there is an immediate and material risk of loss to you or us;
for security reasons;
we need to by law or to meet our prudential requirements;
you have given us materially false or misleading information; or
you act in a manner that in our reasonable opinion threatens the security of our staff or property.

However, unless there are exceptional circumstances (e.g. fraud or criminal activity), we will give you at least 14 days advance notice before we suspend or terminate your use of Suncorp Secured App.

The provision and subsequent use of Suncorp Secured App is subject to the reliability and availability of third party service providers including software providers and network service providers. Suncorp will not be liable for any direct or indirect loss suffered by you, as a result of a reduced level of service caused by any third party except to the extent that the loss is caused by Suncorp's fraud, negligence or willful misconduct or that of its officers, employees, contractors or agents.

12. Changes to Suncorp Secured App Terms and Conditions

Suncorp can change the Suncorp Secured App Terms and Conditions for one or more of the following reasons:

to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice;
to reflect any decision of a court, ombudsman or regulator;
to reflect a change in our systems or procedures, including for security reasons;
to respond to changes in the cost of providing the accounts or Suncorp Secured App; or
to make these Suncorp Secured App Terms and Conditions clearer or to add features,

but will only do so in order to protect our legitimate interests, and only to the extent reasonably required to do this.

Where we make changes, we will notify you by publishing the varied Suncorp Secured App Terms and Conditions by written or electronic notice (for example, through the Suncorp Secured App) no later than the day it takes effect, or such longer period as may be required by law. Where the change is adverse to you, we will notify you at least 30 days before the effective date of the change (unless we believe doing so is, in our reasonable opinion, necessary for us to manage an immediate and material risk to our Legitimate Interests or the change relates to a government charge).