Common use of Protecting Your Account Clause in Contracts

Protecting Your Account. 13.1. By agreeing to these terms and conditions you give us your permission to provide the police or financial crime agencies with any information they need during any investigation. 13.2. We may suspend or refuse to carry out transactions on your account if we identify adverse information, we are ordered to do so by an appropriate legal or regulatory body or authority, or if we have reasonable grounds to believe that: • you are not acting in accordance with these terms and conditions; • your account is being used for illegal purposes (whether by you or a third party); • your security information has been, or we reasonably believe it has been, compromised either by loss or theft; • the relationship between us has broken down for whatever reason and cannot be repaired; • we have reason to believe there is a dispute as to your ownership or entitlement to the money in your account; • you are insolvent or a bankruptcy order has been made against you; and/or • circumstances beyond our control prevent us from offering a normal service. 13.3. If we take action to suspend your account or a transaction, we will inform you as soon as possible unless we are unable to do so by law. As soon as the issue is resolved we will reinstate your account. 13.4. We will never: • ask you for your full username or password by phone, email, via our mobile app, through online banking or in person. You should consider any request via any means for this information fraudulent; • ask you to email or text banking information; or • send you an email with a link asking you to enter your bank account details. 13.5. If you are physically or mentally incapacitated we may take legal instructions to allow someone else to operate the account. 13.6. We will also allow someone else to access your account under a valid power of attorney or court- appointed deputy under a court order or under an equivalent registered authority. 13.7. If you do not make any transactions or contact us within a three-year period and you try to access the account after this period we will ask you to confirm your identity. 13.8. You retain the right to reclaim your money at all times.