Terms & conditions - The Co-operative Bank

or part of any software used by the bank in providingthe service or supplied by the bank to you in order touse the service or the online help material and shall notdisassemble, reverse engineer, modify, decompile orotherwise use the software or part of it or allow others todo likewise except as agreed with the bank.17.27 You will not acquire title to any programmes, software,specifications, techniques or other information suppliedto you for the purposes of the service (or to anyintellectual property rights in respect of the foregoing).17.28 The bank undertakes, at its own expense, to defend or, atits own option, to settle, any claim or action (together “aclaim”) brought against you concerning the infringementof any patent, design right, trade mark, trade secret,copyright or similar right in the software. The bank furtherundertakes to indemnify you against any judgment madeagainst you in respect of such a claim.17.29 You will be responsible for advising us which nominateduser(s) should use the service.17.30 You may terminate your use of the service by giving thebank not less than 30 days’ written notice of termination.Time will start to run once such notice is received andprocessed by the bank and not from the date of postingby you. Upon termination access to the serviceshall cease.Customer security details17.31 When registering for the use of the service, each personnominated by you to use the service will be issued witha Customer ID and a unique User ID and security token.Access to the service will be dependent upon the use ofthe Customer ID, User ID and security token. You and allpersons authorised by you to use the service must takeall necessary and reasonable precautions to prevent thedisclosure and unauthorised use of the Customer ID,User ID and security token. A nominated user must notallow any other nominated user or anyone else to accessor use his/her unique User ID or security token which eachauthorised user must keep secret/safe at all times.17.32 For some internet instructions you may be asked to useyour security token; if you do not use you security tokenwe will not be able to carry out your instructions.17.33 You must notify the bank immediately if any nominateduser ceases to be so authorised and must notify us ofany new or additional persons to be authorised to usethe service. You must not permit any User ID or securitytoken to be passed from any nominated user who is tocease or ceases to be authorised to one who is or is tobecome a nominated user.17.34 If you know or suspect that your customer securitydetails have been breached, the bank must be notifiedimmediately. Upon notification, your liability will ceasesubject to condition 12.1.17.35 If the unauthorised use of your customer security detailsis due to your fraud or gross negligence, you will remainliable for all directly resulting losses.17.36 You will assist the bank in its efforts to recover any lossresulting from the unauthorised use of your customersecurity details, if it asks you to do so.17.37 For your protection, the bank reserves the right tosuspend your access to the service without notice if:• incorrect customer security details are used toattempt access to the service• the bank has reason to suspect an unauthorisedperson is attempting to access the service• the bank suspects fraud or other inappropriate use, isrequired to suspend or withdraw the service by courtorder or by law, or in the event of a dispute betweenthe bank and you or between you and anothercustomer where this could have a legal impact onour relationship.17.38 The use of customer security details as part of the servicemay vary over time. The bank may vary, amend, suspendor terminate any services available in accordance withcondition 22.17.39 The security token remains the property of the bank,the bank reserves the right to charge for replacementsecurity tokens and we will notify you of the costof replacement.17.40 In addition to the reasonable security precautions incondition 11, when using online banking,we recommend:• you purchase anti-virus software and takeregular updates• you purchase personal firewall software• you do not access your account from a computer in apublic place• you log off using the exit link on screen• you log back in and then log off correctly if you aredisconnected from your internet service providerduring an online banking session• you do not open emails from unknown sources• you install any new security updates from yourbrowser supplier• you do not send any account details to us by amessage which is not encrypted• you (or any nominated user) must exit the servicewhen leaving the computer terminal unattended.17.41 If you subscribe to FD Online you will be responsible forpayment of any fees agreed with you (in writing), suchfees will be debited monthly in arrears to an accountnominated by you.13