3.1 We will send you a userid so you can use the MySave Online Savings Service.
3.2 Each time you use the MySave Online Savings Service we will ask you to give us your userid, password and three requested digits or characters from an item of your memorable data. This is so that you can prove, and we can authenticate, your identity.
3.3 Once registered for the MySave Online Savings Service you must always keep your memorable data and password 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 password.
3.4 You must tell us as soon as you can if you know or think somebody else knows your memorable data and password. You must do this by sending us an e-mail to firstname.lastname@example.org or by telephoning our Customer Service Team on 0800 464 3015. We are open from 8am to 8pm Monday to Thursday, 8am to 6.30pm on Fridays, 9am to 5pm on Saturdays and 10am to 4pm on Sundays.
3.5 As soon as you tell us you know or think somebody else knows your memorable data and password we will prevent transactions being carried out on your account using the MySave Online Savings Service.
3.6 You will not be liable for a MySave Online Savings transaction on 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 conditions 3.1 and 3.3 above or the action detailed in condition 3.4 above
You acted fraudulently
If you dispute that you have carried out a transaction on the MySave Online Savings Service, 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 the MySave Online Savings Service.