The risks of sharing a bank account with housemates
The risks might outweigh the advantages and convenience.
The risks might outweigh the advantages and convenience.
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We respect your privacy and are committed to protecting your personal information.
When we refer to personal information we mean information or an opinion about you, for which you are, or may be reasonably identified.
The information may include:
We do not disclose confidential information about you except as required to provide our services, with your consent or as required or permitted by law.
Personal information about you is used strictly for limited purposes. From time to time, we will collect information about you such as your name, server address, domain name, contact details, occupation, title, the date and time of your visit and the information downloaded concerning the matters on which you seek our services.
The personal information we collect about you may include credit information. Credit information is information about you that has a bearing on credit that has been provided to you or that you have applied for. This includes credit for personal, domestic or household purposes and credit in connection with a business. It can also cover information about you as a guarantor of a loan or as an insured party under a credit related insurance policy.
Due to the nature of the services provided by us, we will not collect sensitive information (ie details about your health, race or ethnic background, religion, trade union membership, political opinion, sexual preference or criminal record).
Personal information about you may be collected in a number of circumstances, including when you:
Where reasonable and practical we collect your personal information directly for you when you use our services or when you visit our website. However, we may also collect information about you from third parties, such as via credit searches, and searches of directorships and shareholdings, or from other organizations authorised by you.
Use of Your Personal Information
The personal information we collect about you is primarily used for the conduct of our business and the purpose for which the information was provided, for reasonably related secondary purposes, any other purpose you have consented to and any other purpose permitted under the Privacy Act. This may include (without limiting) using your personal information for the purpose of:
From time to time we may use your personal information to provide you with periodic e-mail newsletters and information letting you know of our latest specials, changes to our organisation, or new products or services being offered by us or any business we are associated with. By providing us with your personal information, you consent to us using your information to contact you on an ongoing basis for this purposes, including by mail, email, SMS, social media and telephone.
If at any time you decide you do not want to receive or continue to receive such information from us, you may unsubscribed by following the link at the bottom of our email communications to you, or by contacting our office on the contact details below. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request within a reasonable time.
If you do not wish to provide us with personal information, we may be unable to properly provide you with the products, services, information and/or warranties that you require.
We will not disclose or share your personal information with our business partners unless you give Easyshare permission.
We may, however, use or disclose your personal information to third party organizations for purposes relating to the management of your account with us. Such organizations include:
By providing us with your personal information, you consent to us disclosing your information to such entities without obtaining your consent on a case by case basis.
Please be assured that we require these organisations to observe strict confidentiality obligations with regard to your personal information and are also bound to adhere to the Australian Privacy Principles. These third party service providers are not permitted to use your personal information for their own marketing purposes.
Sometimes we are required or authorised by law to disclose your personal information. Circumstances in which we may disclose your personal information would be to a Court, Tribunal or law enforcement agency in response to a request or in response to a subpoena or to the Australian Taxation Office.
Other than described above, we will not use, sell or disclose your personal information without your consent. We endeavour to take all reasonable steps to keep secure any information which we hold about you and to keep this information accurate and up to date.
We have robust systems and procedures in place to protect your privacy and your information is stored in secure servers. We are continually upgrading these systems and reviewing our procedures to ensure the highest standard of security is used to protect your personal information.
We use the NAB VeriSign Trusted Payment gateway for our online credit transactions.
However, notwithstanding the highest standards of care that we take with security, we cannot be held responsible for events arising from unauthorised access to your personal information.
We may, from time to time, engage third party contractors to carry out work for us. Third party contractors are prohibited from using collected personal information about you, except for the specific purpose for which that personal information has been supplied by us to the contractor.
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us, without providing us with personal information.
You have a right to access your personal information that Easyshare collects and holds about you. You may request access to any personal information we hold about you at any time. We will provide you with access to the personal information we hold about you, subject to limited exceptions in the Privacy Act including for example, where access would have an unreasonable impact on the privacy of others or the request is frivolous.
If you consider that the information we hold about you is incorrect, and you wish to make change to the personal information we hold about you, you may contact us to have it updated. We will generally rely on you to assist us in informing is if the information we hold about you is inaccurate or incomplete.
If you wish to access your personal information or change or update your details please contact us at the details set out below.
You may request further information about the way we manage your personal information or lodge a complaint by contacting our Privacy Officer on the contact details below.
We will deal with the complain by investigating the complaint, and providing a response to the complaint within a reasonable period, provided that we have all necessary information and have completed any investigation required.
The Privacy Officer:
You understand and acknowledge that the Easyshare service (“Service”) is being provided as a “Public Beta”, and is made available on an “as is” and “as available” basis for the purpose of providing us with feedback on the quality and usability of the Service. The Service may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information. We strongly encourage you to back-up all data and information prior to using the Service, and confirm with the applicable payee’s that payment has been received. You assume all risks and all costs associated with your use of the Service, including, without limitation, any failure of any payments to be processed, internet access fees, back-up expenses, and any damage to any equipment, software, information or data.
The website www.easyshare.money (“this website“) is owned and operated by A.C.N 168 090 293 Pty Ltd trading as Easyshare (“Easyshare”).
These terms and conditions apply to the use of this website. In using this website, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions you must refrain from using the website. These terms and conditions must be read in conjunction with any other applicable terms and conditions governing the use of this website.
In these General Terms and Conditions for use of the Easyshare website “we”, “our” and “us” means A.C.N 168 090 293 Pty Ltd trading as easyshare and “our website” means the URL www.easyshare.money and “you” and “your” means you, the customer.
When you visit our website or send e-mails to us, you are communicating with us electronically. By using the website you consent to receiving communications electronically. We will communicate with you by email or by posting notices on this website. You agree that all electronic communications from us of agreements, notices, disclosures or other information satisfy any legal requirement that such communications be in writing.
Unfortunately, no data transmission over the internet can be guaranteed as totally secure. Whilst we strive to protect such information, we do not warrant and cannot ensure the security of any information which you transmit to us. As such, any information which you transmit to us is transmitted at your own risk. Nevertheless, once we receive your transmissions we will take reasonable steps to preserve the security of such information.
We may preserve the content of any email you send us if we believe we have the legal requirement to do so.
Registering on www.easyshare.money allows users to be included in our email mailing list. Our emails include information on special offers, competitions, and other communications.
Every marketing or other e-mail we send has an unsubscribe option. Simply unsubscribe by following the link at the bottom of our email communications. Users will be removed from our mailing list once the unsubscribe option is selected.
We own or have the right to use the trade marks 1622192, 1625010 and “Easyshare”, and reserves all rights in relation to each of those trade marks.
Any other intellectual property rights, including graphics, logos, trademarks, design, text, icons, the arrangement of them, sound recordings and all software relating to www.easyshare.money are owned or licensed by us. These intellectual property rights are protected by Australian and international laws. You should assume that all of the content made available to you through this website is owned or licensed by us and is protected by copyright or other proprietary rights.
Nothing contained on www.easyshare.money is to be interpreted by you as a recommendation or consent to use any information on this website in a manner which infringes our intellectual property rights or the intellectual property rights of any other person, company or entity. We make no representations or warranties that your use of the information on this website will not infringe such intellectual property rights.
You may view www.easyshare.money and its contents for personal and non commercial use only, and subject to the Copyright Act 1968 (Cth) and similar legislation, you must not in any form or by any means reproduce, modify, distribute, store, transmit, publish or display within another website or create derivative works from any part of this website or commercialise any information contained from any part of the website without our prior written permission.
To use the website, you must establish an account on this website.
We retain absolute discretion to refuse to allow your account to be established, to terminate your accounts and to remove or edit content where your account has not been kept in accordance with these terms and conditions.
You agree that you will not let anyone else access your account or do anything that might put the security of your account at risk. You must notify us immediately if you become aware of any breach of security or unauthorised access or use of your account. You are solely responsible for the activity that occurs on your account.
We reserve the right to remove your username or similar identifier in respect of your account if appropriate.
We use the NAB VeriSign Trusted Payment Gateway for our online credit card transactions. NAB VeriSign Trusted Payment Gateway processes online credit card transactions for thousands of Australian merchants, providing a safe and secure means of collecting payments via the internet.
Please refer to our “Terms & Conditions for Online Payments” for further information.
This website may contain links to, or frame, websites of third parties (“external sites”). We are not required to maintain or update external sites.
Any external sites should not be construed as any endorsement, approval, recommendation or preference by us of the owners or operators of the external sites, or for any information, products or services referred to on the external sites unless expressly indicated on this website.
We make no warranties and accepts no liability in relation to material contained on external sites.
This clause is not intended to exclude or limit any rights which you may have under the Competition and Consumer Act 2010 (including the Australian Consumer Law) or equivalent State or Territory laws, which cannot be excluded or limited.
Except where to do so would otherwise cause any part of these Terms to be illegal, void or unenforceable, we exclude all conditions, guarantees and warranties implied into these Terms & Conditions or in connection with any goods or service provided through this website.
We do not accept responsibility and we disclaim liability for any loss, damage or injury (including negligence), howsoever caused, which you may directly or indirectly suffer (or allegedly suffer) in connection with use of this website. This limitation includes, but is not limited to, consequential damages, interruption of business, loss of data, income or profit, loss of or damage to property, and third party claims.
Without limiting the general disclaimer, we:
You must take your own precautions to ensure that whatever you select for use from this website is free of viruses or anything else that may interfere with or damage the operation of your computer system or systems.
You must ensure that your access to this website is not illegal or prohibited by laws which apply to you. Under no circumstances, including but not limited to any act or omission on our part, will we be liable for any indirect, consequential and/or incidental damage or loss of profits whatsoever which result from any use or any access of, or any inability to use or access, this website.
To the fullest extent permitted by law, our liability for any breach of any implied guarantee, warranty or condition for goods or services we provide you which cannot be excluded, is limited at our option to the following:
We accept no liability for any failure to comply with these terms and conditions where such failure is due to circumstances beyond our reasonable control. If we waive any rights available to us under these terms and conditions on one occasion, this does not mean that those rights will automatically be waived on any other occasion.
If any of these terms and conditions are held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions shall nevertheless continue in full force.
These terms and conditions are governed by the laws in force in New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of that jurisdiction.
If you have any concerns with, or do not understand, our website Terms and Conditions we encourage you to contact us
Our contact details are below and we will respond to your query as soon as possible.
In these Terms and Conditions for Online Payments, “we”, “our” and “us” mean A.C.N 168 090 293 Pty Ltd trading as Easyshare and “you” and “your” means you, the customer.
These Terms and Conditions, together with the general terms and conditions for use of our website, constitute the entire contract between us and you for the use of the website, and allow Easyshare to arrange for money to be debited electronically from your Account through the banking system. These conditions set out your rights, our commitment to you and your responsibilities to us, and advise where you should go for assistance.
In these Terms and Conditions:
Agreement means the Agreement between you and us, being these Terms and Conditions, together with the general terms and conditions for use of our website.
Account means the debit account or credit card you have nominated in the Direct Debit Request.
Approved Payee means the person or entity approved by you to receive a payment from you.
Debit Day means a day that payment is due to be made to an Approved Payee or to us for fees or charges.
Debit Payment means a particular transaction where a debit is made, according to your Direct Debit Request.
Direct Debit Request (‘DDR’) means the Direct Debit Request form completed online and signed by you.
Your Financial Institution is the Financial Institution at which the Account is held.
(a) check with your Financial Institution whether direct debiting is available from your Account;
(b) ensure that your Account details specified in the Direct Debit Request are correct; and
(c) ensure that all persons whose signatures are necessary to operate your Account will accept the terms & conditions.
Warning: if the Account details are incorrect, you may be charged a fee to reimburse our costs of correcting any debit that occurs to an Account that you either do not have the authority to operate or that is someone else’s Account. You indemnify us for all loss or expense we suffer as a result of you giving us incorrect or false information in the Direct Debit Request or in any changes to the Direct Debit Request. This indemnity continues after the Agreement ends.
(a) the parties listed in the Direct Debit Request
(b) the parties you have directed us to pay on the Easyshare website; and
(c) your list of Approved Payees
We will only arrange to debit funds from your Account in accordance with that authority, on the nominated Debit Day.
|Fee Type||Amount $|
|Dishonour Fee – Direct Debit||$15|
|Dishonour / Missed payment fee – Credit
|Charge Back Fee||$35|
(a) you or your Account may be charged a fee by your Financial Institution;
(b) you must arrange for the payment to be made by another method or arrange for sufficient clear funds to be in your Account within the next 2 days or another time that we agree with you so that we can process the Debit Payment. You should check your Account statement to verify that the amounts debited from the Account are correct.
(c) if you dishonour on your Fees your Easyshare account will be de-activated and we will initiate steps to recover the outstanding monies from you.
(d) you or your Account will be charged the fees as outlined in clause 7.1 to reimburse us for the costs and charges that we have incurred for the failed transaction.
Whilst we employ the latest in Secure Sockets Layer (SSL) technology and use NAB Verisign Trusted Payment Gateway, we will not be responsible for any damages or losses (whether consequential, direct or indirect) suffered by a customer whose credit card is fraudulently used or is used in an unauthorized manner.
(a) we make no warranties or other representations to you under these online Terms and Conditions. Our liability in respect of these warranties, representations, undertakings and guarantees is limited to the fullest extent
permitted by law.
(b) we do not accept responsibility for any loss or damage, however caused (including through negligence), which you may directly or indirectly suffer in connection wit your use of this website or any linked website, nor do we accept any responsibility for any such loss arising out of your use of or reliance on information contained in or accessed through this website;
(c) we do not accept liability to you in respect of any loss or damage (including indirect, special or consequential loss or damage) which may be suffered or incurred by you or which may arise directly or indirectly in respect of goods or services supplied pursuant to or in any way connected with this website or respect of any failure or omission on our part to comply with our obligations as set out in these terms and conditions.
Direct Debit Request
|Level 2, 50 Bridge Street
SYDNEY NSW 2000
|Request and Authority to debit the account named below to pay
A.C.N 168 090 293 Pty Ltd t/as easyshare
|Request and Authority to debit||
Your Surname or company name
Your Given names or ABN/ARBN
request and authorise easyshare (user ID 475224) to arrange, through its own financial institution, debits to your nominated account any amounts easyshare has deemed payable by you.
These debits or charges will be made through the Bulk Electronic Clearing System (BECS) from your account held at the financial institution you have nominated below and will be subject to the terms and conditions of the Direct Debit Request Service Agreement, the easyshare General Terms & Conditions, and the Terms & Conditions for Online payments.
|Insert the name and address of financial institution at which account is held||Financial institution name
|Insert details of account to be debited||Name/s on account
BSB number (Must be 6 Digits)
|Acknowledgment||By signing and/or providing us with a valid instruction in respect to your Direct Debit Request, you have understood and agreed to the terms and conditions governing the debit arrangements between you and easyshare as set out in this Request, the easyshare General Terms & Conditions, the Terms & Conditions for Online payments and in your Direct Debit Request Service Agreement.
You acknowledge that this Direct Debit Request is an ongoing instruction and will apply to all debits you direct easyshare to make.
|Insert your signature and address||Signature||_______________________________________________________
(If signing for a company, sign and print full name and capacity for signing eg. director)
|Second account signatory (if required)||Signature||_______________________________________________________
(If signing for a company, sign and print full name and capacity for signing eg. director)