3.1 We will give you a customer number and, depending on the accounts you hold with Nationwide, a card reader so you can use our Internet Banking service. You will also need a passnumber, we will either ask you to create one or we will send one to you in the post. If you are sent your passnumber by post you must destroy the notification promptly on receipt.
3.2 Each time you use our Internet Banking service we will ask you to give us your customer number. You will also be asked either to use your card reader or for one item from your memorable data and three requested digits from your pass number. This is so that you can prove, and we can authenticate, your identity.
3.3 Once registered for Internet Banking service you must always keep your memorable data and passnumber secret. If you write them down you must make a sufficient attempt to disguise them. You must not tell anybody else your memorable data or passnumber or card reader generated passcodes.
3.4 You must tell us as soon as you can if you know or think somebody else knows your memorable data and passnumber or card reader generated passcodes. You must do this by sending us an e-mail to email@example.com or by telephoning our Customer Service Centre on 0800 30 20 11 (both 24 hours a day). We may ask you to confirm this in writing within seven days.
3.5 As soon as you tell us you know or think somebody else knows your memorable data and passnumber we will prevent transactions being carried out on your account using the Internet Banking service.
3.6 You will not be liable for an Internet Banking transaction on one of your accounts which was not carried out by you or for access to or use of your accounts by someone else, except in the following cases: You authorised the carrying out of the transaction or the access to or use of the account; You acted with gross negligence, which includes failing to follow the safeguards in Condition 3.1 and 3.3 above or the action detailed in Condition 3.4 above; or you acted fraudulently. If you dispute that you have carried out an Internet Banking transaction, we will expect you to co-operate with us and the police in any investigations. We may give
the police and our insurers any information we consider relevant, to enable
them to carry out investigations.
3.7 If we believe or suspect fraudulent or suspicious transactions are being carried out on your account we reserve the right to suspend access to all or part of our Internet Banking service.
3.8 We may use technology in order to detect any suspicious or malicious activity that could impact on your use of the Internet Bank. In the event that we detect any suspicious or malicious activity, we may block, suspend or restrict your access to Internet Banking.