Coles unsecured credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products.
Notice
Please read these terms and conditions carefully. By accessing this application, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this application.
NAB does not endorse the use of cloud-based financial management software providers and you must not disclose any login details to such providers. NAB, Citi and Coles shall have no liability for any losses arising as a consequence of your use of such services.
Ownership
This application is the property of National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”).
All rights reserved.
Copyright in this application, and in the information and material in it, and in their arrangement ("Material"), is owned by NAB unless otherwise indicated. You may download a single copy of the Material and where necessary for reference purposes, keep a temporary copy in your computer's cache and make a single hard copy of the Material. You may make such other use of the Material as is otherwise expressly authorised on this application. Unauthorised use of the Material may violate copyright laws.
Trademarks
This site includes registered trademarks owned by Coles Supermarkets Australia Pty Limited ABN 45 004 189 708 and Loyalty Pacific Pty Limited ABN 82 057 931 334 that are protected by law. Except as expressly authorised, the use of misuse of any of these trademarks is strictly prohibited. NAB use the Coles trademarks and the Loyalty Pacific trademarks under licence. Nothing displayed in the application should be interpreted as granting any rights to use or distribute any names, logos, trademarks or service marks without the express written agreement of NAB.
iPhone, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries.
Use of the Material
The Material and the terms, conditions, and descriptions that appear on this application, are subject to change. Unauthorised use of NAB websites and systems including but not limited to unauthorised entry into NAB systems, misuse of passwords, or misuse of any information or material posted on a website is strictly prohibited. NAB may terminate this agreement and/or your access to the application at any time without notice. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by NAB and/or its affiliates.
Links
This application may contain links to websites controlled or offered by third parties (non-affiliates of NAB or Coles). NAB and Coles disclaims liability for, any information, materials, products or services posted or offered at any of the third party websites linked to this application. By creating a link to a third party website, NAB and Coles does not endorse or recommend any products or services offered or information or material contained at that website, nor is NAB or Coles liable for any failure of products or services offered or advertised at those websites.
If you elect to visit a third party website you will become subject to their privacy policy, which will be different from that of NAB and Coles, the third party websites may provide less security than this Application.
No warranty
The Material, including text, graphics, links or other items on this application, are provided "as is", "as available". NAB do not warrant the accuracy, adequacy or completeness of the Material and to the extent permitted by law expressly disclaims liability for errors or omissions in the Material. Except for warranties which cannot be excluded at law, no warranty of any kind, implied, express or statutory including but not limited to the warranties of non-infringement of third party rights, title and freedom from computer virus, is given in conjunction with this application, and the Material.
Limitation of liability
To the extent permitted by law, in no event will NAB or Coles be liable for any loss or damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this application or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if NAB, or Coles or their representatives, are advised of the possibility of such damages, losses or expenses. To the extent permitted by law, liability under any condition or warranty which cannot be legally excluded is limited at NAB option to replacement or resupply of goods or services or payment for the same.
Submissions
All information submitted via this Website will be deemed and remain the property of NAB and NAB will be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this Website provides NAB through this Website. NAB will not be subject to any obligations of confidentiality regarding submitted information except as agreed by the NAB entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained in these terms and conditions will be construed as limiting or reducing the responsibilities and obligations to customers set out in the NAB Australia Privacy Statement, Citi Privacy Policy, Coles Privacy Policy or Flybuys Privacy Policy.
Availability
This application is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
Fingerprint Authentication/Touch ID or Face ID®
Depending on your device, you may be able to use biometric authentication technology on your device, for example, Fingerprint Authentication/Touch ID or Face ID, and access the Coles Mobile Wallet App using your fingerprint or facial data which is stored on your device instead of your Password.
Activating Fingerprint Authentication/Touch ID or Face ID for the Coles Mobile Wallet App would allow any fingerprint or facial data stored on your device, now or in the future, to be used to access your Coles Mobile Wallet App, and consequently view your Coles accounts and effect transactions. Accordingly, you must not activate Fingerprint Authentication/Touch ID or Face ID for the Coles Mobile Wallet App if you have any other person's fingerprint or facial data stored on your device.
Should you, despite the warning above, activate Fingerprint Authentication/Touch ID or Face ID for your Coles Mobile Wallet App even though you have someone else’s fingerprint or facial data stored on your device, transactions effected using any of the fingerprint(s) or facial data stored on the device will be considered as authorized by you and you will be responsible for them.
Please note that Fingerprint Authentication/Touch ID or Face ID functionalities are provided and operated on a mobile device level only. Coles Mobile Wallet App does not collect and/or store your biometric data, nor does it have access to the biometric data, which is stored and encrypted on your mobile device. The Coles Mobile Wallet App simply receives confirmation from your mobile device that the Fingerprint Authentication/Touch ID or Face ID® used to access the Coles Mobile Wallet App matches what is stored on your device and whether there have been any changes since your last login, in which case you will need to either re-enable it by a one-time sign in using password or to keep it disabled.
Additional terms
Certain sections or pages on this application may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.
Governing law
These terms and conditions are governed by and construed in accordance with the laws of New South Wales, Australia. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales and of the Federal Court of Australia.