eStatements - terms and conditions

Bank account eStatements conditions of use

Credit Card eStatements conditions of use

Bank account eStatements conditions of use

These conditions apply alongside:

• the terms and conditions (the 'account terms') for how you must use your account (or accounts); and
• the First Trust Bank terms and conditions for Online and Phoneline Banking.
  

By accepting these conditions, you are agreeing to us sending your account statements to you electronically through our Online Banking service. This means you will no longer receive paper statements.

These electronic statements (referred to as ?eStatements? from here on) will have the same meaning as set out in the account terms or the Online Banking terms and conditions (referred to as ?Online Banking terms? from here on). By gaining access to eStatements through Online Banking, we will consider you to have accepted the following.

1 eStatements vary in format to paper statements, particularly as follows.

1. For security reasons, we will not include your name and address on the eStatement.
2. If you need a paper statement after receiving an eStatement, you can order one through the ?order paper statement? option in Online Banking. This will produce what is known as an ?out of course? statement, and you will receive this in both paper format and as an eStatement.
3. To receive eStatements, you will need a code card (as well as internet access).
   

2 Registration process

1. You must register your mobile phone number to complete the registration process. We will only accept UK mobile numbers.
2. If you have a number of accounts to register for eStatements and you register a different mobile number each time, we will use only the last mobile number you registered.
3. We will send you a text message to tell you every time your statement is available to view (that is, every week, every month and so on).
4. If there is a problem with your mobile provider or your mobile network, you may not receive a text message on your mobile phone. It is your responsibility to regularly view your eStatements through Online Banking.
   

3 General terms

1. When you gain access to your eStatement, it will be displayed in a separate window. This means that when you close Online Banking, the eStatement will stay on screen unless you close it yourself.
2. You must close this window and not leave it open for any other person to view. In particular, you must not save an eStatement on a PC which is not your own. You can view up to two years of statements from the date you register for eStatements.
3. You can, at any time, stop receiving eStatements as long as you agree to return to receiving paper statements. You must give us at least 10 days? notice for this request to come into force.
4. We can, at any time and for any reason, choose to suspend your access to eStatements, during which time you will receive paper statements by post. This suspension may be caused by circumstances beyond our control.
5. You agree that we will have no more liability (legal responsibility) for any loss or damage you suffer directly or indirectly as a result of us providing, and you gaining access to, eStatements, than would be the case if you received paper statements instead of eStatements. To avoid any doubt, all the account terms and the Online Banking terms will continue to apply to how we provide eStatements.
6. We can change these conditions in line with the Online Banking terms.
7. If any of these conditions conflict with any of the account terms, these conditions will take priority.
8. Nothing in these conditions will affect your legal rights. If anything in these conditions conflicts with your legal rights, those rights will take priority.
9. Please make sure that you have anti-spyware and anti-virus software installed on your PC.

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Credit card eStatements conditions of use

These conditions apply alongside:

• the conditions of use for your credit card; and
• the conditions of use for Online Banking.
  

By accepting these conditions, you are agreeing to us sending your account statements electronically through our Online Banking service. This means you will no longer receive paper statements.

These electronic statements (referred to as 'eStatements' from here on) will have the same meaning as set out in the conditions of use for your card. By gaining access to eStatements through Online Banking, we will consider you to have accepted the following.

1 eStatements vary in format to paper statements, particularly as follows.

1. For security reasons, we will not include your name and address on the eStatement.
2. If you ask for a paper statement after receiving an eStatement, we may charge you a ?duplicate statement fee?, in line with the fees and charges that apply to your card.
3. If you do not make the minimum payment on your card by the date it is due, a message will be displayed on your eStatement.
4. If you receive eStatements, you will no longer receive 'bank giro' forms. You can, however, continue to make card payments by direct debit or through Online Banking or Phoneline Banking.
5. To receive eStatements, you will need a code card (as well as internet access).
   

2 Registration process

1. You must register your mobile phone number to complete the registration process. We will only accept UK mobile numbers.
2. If you have a number of accounts to register for eStatements and you register a different mobile number each time, we will use only the last mobile number you registered.
3. We will send you a text message to tell you every time your statement is available to view (that is, every week, every month and so on).
4. If there is a problem with your mobile provider or your mobile network, you may not receive a text message on your mobile phone. It is your responsibility to regularly view your eStatements through Online Banking.
   

3 General terms

1. When you gain access to your eStatement, it will be displayed in a separate window. This means that when you close Online Banking, the eStatement will stay on screen unless you close it yourself.
2. You must close this window and not leave it open for any other person to view. In particular, you must not save an eStatement on a PC which is not your own. You can view up to two years of statements from the date you register for eStatements.
3. You can, at any time, stop receiving eStatements as long as you agree to return to receiving paper statements. You must give us at least 10 days? notice for this request to come into force.
4. We can, at any time and for any reason, choose to suspend your access to eStatements, during which time you will receive paper statements by post. This suspension may be caused by circumstances beyond our control.
5. You agree that we are not liable (legally responsible) for any loss or
   damage (other than that resulting only from our gross negligence) you suffer directly or indirectly as a result of us providing, and you gaining access to, eStatements.
6. Nothing in these conditions will affect your legal rights. If anything in these conditions conflicts with your legal rights, those rights will take priority.
7. We can change these conditions in line with the conditions of use for your card.