About Uniting Financial Services

What is Uniting Online? Uniting Online facilitates day-to-day management of your investment(s) held with us and can be accessed via web browser, mobile or tablet.   Key Risks If you divulge your Client ID, Passcode or Mobile Personal Identification Number (MPIN) to a third party, you may be liable for any losses sustained as a result of the actions of such third party. If at any time you believe your access has been misused or compromised or you have lost or had your device stolen, you must inform us immediately. If you do not notify us immediately you may be liable for any losses sustained as a result of the actions of a third party. We cannot enable your Uniting Online access and cannot accept liability where you do not provide us with sufficient or accurate information.   General Terms and Conditions applicable to all non-cash payment products and facilities held by Uniting Financial Services We may change the Terms and Conditions that apply to your investment access channels, e.g. Uniting Online platforms (browser and mobile versions) or any product or service outlined in our PDS. We will provide updated information by giving you notice (if this were required, such as if the change were materially adverse to you) or by posting the information on our website. You can obtain a paper copy of any information without charge by contacting us. You should check statements carefully and promptly report to us as soon as you become aware of any payments that you think are errors or are payments that you did not authorise or you think were made by someone else without your permission. You shall ensure that sufficient funds are available in the nominated investment to meet all commitments on their due dates. By using any non-cash payment products and facilities offered by UFS, you agree to be bound by these terms and conditions. These services are provided solely for legitimate personal use and UFS reserves the right to modify or discontinue these services at any time. By using non-cash payment products and facilities offered by UFS, you agree to comply with all applicable laws, regulations, and standards, including those related to anti-money laundering (AML), counter-terrorism financing (CTF), and data protection.   Terms and Conditions relevant to specific non-cash payment products and facilities held by Uniting Financial Services Users are responsible for maintaining the confidentiality of their Client ID and Passcode and MPIN and are required to notify UFS immediately if they suspect any unauthorised access to their Uniting Online profile. Uniting Online platforms are to be used solely for personal purposes as authorised by UFS. We may suspend your right to use Uniting Online at any time if you or anyone acting on your behalf are suspected of acting in a fraudulent manner; or in circumstances we consider appropriate. Users must comply with conditions of use including but not limited to access restrictions, transaction limitations and passcode and MPIN security requirements as stipulated by UFS. While UFS will make reasonable efforts to ensure continuous access to the Uniting Online platforms, we do not guarantee uninterrupted or error-free service and are not liable for any outages, system failures, or downtime. UFS will not be held liable for any indirect, consequential, or punitive damages resulting from the use of online banking services, including but not limited to lost profits or data loss. Users are responsible for ensuring they have the necessary hardware, software, and internet connection to access the Uniting Online platforms securely. Users accessing the Uniting Online mobile app must ensure their device operating system meets the minimum version requirements and that the app is kept up to date. Retail Investors of UFS are granted view-only access to Uniting Online platforms. Retail Investors are not permitted to initiate, modify, or authorise transactions through Uniting Online. Any request to perform transactions must be made through alternative channels as directed by UFS.   BPAY payments BPAY is a payment service that allows you to make payments to participating billers through Uniting Online. BPAY payments are subject to these Terms and Conditions and the applicable BPAY Scheme requirements.   Making a BPAY payment When making a BPAY payment, you must provide accurate payment instructions, including: the BPAY Biller Code; the Customer Reference Number (CRN); the payment amount; and the account from which the payment is to be made. Before confirming a BPAY payment, you should carefully check the payment details you have entered. If you provide incorrect payment information, your payment may be made to the wrong biller or account and may not be able to be recovered.   Processing BPAY payments UFS will process BPAY payments in accordance with your instructions and applicable BPAY processing requirements. BPAY payments received before the applicable daily cut-off time will generally be processed on the same business day. Payments received after the cut-off time, on weekends or public holidays, or during periods of system maintenance or disruption may be processed on the next business day. Processing times may also be affected by circumstances outside UFS’s reasonable control, including delays involving BPAY, participating billers or other financial institutions.   Incorrect or unauthorised BPAY payments If you believe you have entered incorrect payment details, made a payment in error, or a BPAY payment has not been processed correctly, you should contact UFS as soon as possible and provide details of the payment. UFS will investigate the matter and provide assistance where appropriate. If you believe a BPAY payment has been made without your authority, or you suspect your account or security credentials have been compromised, you must notify UFS immediately. You should also notify UFS promptly if you believe you have been the victim of fraud or a scam involving a BPAY payment. UFS will assess the circumstances and work with you to determine the appropriate next steps.   Your responsibilities and security You are responsible for protecting your Client ID, Passcode, MPIN, one-time passwords (where applicable) and any other security credentials used to access Uniting Online. You must not disclose your security credentials to any other person and must notify UFS immediately if you believe your credentials have been compromised or your Uniting Online access has been misused. You should regularly review your account statements and transaction history and notify UFS promptly if you identify any errors, unauthorised transactions or suspicious activity.   Finality of BPAY and disputes with billers Once a BPAY payment has been submitted and processed, it is generally final and may not be able to be cancelled or recovered. If you have a dispute regarding goods or services supplied by a biller, including whether goods or services were provided or the quality of those goods or services, you should contact the biller directly.   Information handling, disputes and complaints When providing BPAY services, UFS may collect, use and disclose information necessary to process BPAY payments, manage your account, investigate payment issues and comply with legal, regulatory and scheme obligations. Further information about how UFS handles personal information is available in our Privacy Policy. If you have a complaint or dispute relating to a BPAY payment or the BPAY service provided by UFS, you can contact UFS through our complaints process. We will investigate and respond to your complaint in accordance with our complaints handling procedures.   Changes, suspension or termination of BPAY access UFS may update these Terms and Conditions from time to time. Where required, UFS will notify you of changes in accordance with applicable requirements. Updated terms will also be made available through the UFS website. ​​​​​​​ UFS may suspend or terminate your access to BPAY or Uniting Online where we reasonably consider it necessary, including for security, fraud prevention, legal, regulatory or operational reasons.

  CallInvestments and Lending: 1300 133 673Other enquiries: 02 8267 4300

  Emailcontactus@unitingfinancial.com.auWe are here to help.

  Post P.O. Box A2178, Sydney South NSW 1235  

  AddressLevel 10, 222 Pitt Street, Sydney NSW 2000

  Important for you to know Financial services are provided by The Uniting Church (NSW) Trust Association Limited ACN 000 022 480, ABN 89 725 654 978, AFSL 292186 (“UCTAL”) and by The Uniting Church in Australia Property Trust (NSW) ABN 77 005 284 605 (“UCAPT”) (together and separately “Uniting Financial Services”), for The Uniting Church in Australia, Synod of NSW and the ACT (“Synod”), under a s.911A Corporations Act 2001 (Cth.) authorisation and pursuant to APRA Banking Exemption No. 1 of 2021 and ASIC Regulatory Guide 87 and ASIC Corporations (Charitable Investment Fundraising) Instrument 2016/813 exemptions. Uniting Financial Services® is a registered trademark of UCTAL used with permission of UCAPT. None of The Uniting Church in Australia, UCAPT and UCTAL is prudentially supervised by APRA. Therefore, investments with or contributions to these Uniting Church organisations will not receive the benefit of the Financial Claims Scheme or the depositor protection provisions in the Banking Act 1959 (Cth.). All financial services and products are designed for investors who wish to promote the religious and charitable purposes of Uniting Financial Services and The Uniting Church in Australia and for whom profit considerations are not of primary importance in their decision to invest. The information on this page has been prepared without considering your objectives, financial situation or needs. You should, before acting on it, consider its appropriateness to your circumstances or refer to the relevant disclosure document. Loan applications are subject to credit approval. Interest rates are subject to change. Fees and charges may apply.