Terms and Conditions of Use of Orchard Credit Union Orchard Credit Union Limited Internet Website 1. Definitions 1.1 In these Terms and Conditions, unless the context otherwise requires:- 'Account' means an account opened by a member with the authority of Orchard Credit Union Ltd. ('the Credit Union') which may be accessed by the member upon a 24 hour basis subject to the Terms and Conditions; 'member' means a member of the Credit Union authorised by the Credit Union to use the Credit Union website and the Credit Union services associated with the use of the website subject to the Terms and Conditions; 'Registration Form' means the application and registration form completed by a member applying to avail of the Services; 'Services' means those website and other services from time to time provided by the Credit Union to its members which may be accessed and utilised by a member through the website 'Terms and Conditions' means these Terms and Conditions, as amended, extended, or replaced by the Credit Union from time to time; 'Website' means the Internet website owned and operated by the Credit Union pursuant to the Terms and Conditions. 1.2 The website is owned and maintained by the Credit Union. The use of the website is subject to the Terms and Conditions, which you should read carefully. By using the website, you agree to be legally bound by the Terms and Conditions. If you do not accept these Terms and Conditions, please do not use the website. 1.3 A member shall indemnify and hold the Credit Union harmless from all loss, damage, costs and expenses suffered by it as a result of any breach by the member of the Terms and Conditions. 1.4 In these Terms and Conditions, the singular shall include the plural and vice versa and reference to any gender shall include all genders. 2. Use of Website 2.1 The information, services and details on the website are intended for use by members of the Credit Union and are not intended for use by any other persons. 2.2 The website is designed to be accessed by members of the Credit Union and it is also intended to allow existing members to register for online membership and to access the Services. 2.3 Members must be aged 16 years or over and must have completed and submitted to the Credit Union a Registration Form and / or requested registration and complied with its registration process. 2.4 The Credit Union may in its absolute discretion without assigning any reason, refuse to accept a Registration Form and / or request for registration. 3. Exclusion of Liability 3.1 The Credit Union has taken all reasonable steps to ensure the accuracy and completeness of the information on the website. However, it gives no warranty and makes no representation regarding the accuracy or completeness of the content of the website. Consequently, it accepts no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained on the website. Further, no warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of loss or damages arising out of such unavailability. We accept no liability in respect of losses or damages arising out of or changes made to the contents of the website by unauthorised third parties. 4. Risk 4.1 Access to and use of the website is at the member's own risk and whilst all reasonable care is taken the Credit Union does not warrant that the use of the website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection. 5. Legislation 5.1 Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under any legislation or under the membership rules. 6. Amendments 6.1 The contents of the website and any information contained on the website are subject to change and to being updated without notice from time to time. 7. Right of the Credit Union to information on this website. 7.1 The Credit Union holds exclusive title to the information contained on the website which may not be copied, transmitted, amended or reproduced in any form whatsoever without the prior written consent of The Credit Union. 8. Personal Data 8.1 By agreeing to be bound by the Terms and Conditions, you are consenting to the Credit Union collecting and storing certain personal data about you. This data will be used to provide the Services applied for and may be stored by the Credit Union to keep you informed of services and products which may be of interest to you. If you do not wish to receive such information, all you need to do is notify the Credit Union in person, by telephone, email or letter. If you wish to receive details of personal data held about you by us, you may write to request this. You may at any time request a copy of any 'personal data' within the meaning of the Data Protection Act, 2018 (as amended from time to time) that the Credit Union holds about you as a member. Whilst all reasonable care is taken the Credit Union cannot guarantee the confidentiality of information relating to you that passes over the Internet. In accessing the website and in availing of any of the Services / information available on or via the website, you are deemed by the Terms and Conditions to accept that electronic mail messaging and Internet communication may not be free from interference by third parties and may not remain confidential. In all circumstances, the use by you of the website is at your sole risk. 9. Copyright 9.1 The contents of the website are the copyright of the Credit Union. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of the website without our prior written consent is prohibited unless for personal use only.