1. 1. Each user named in the QTC Link Access Request Form may only operate on the account of the Client named in the QTC Link Access Request Form (the ‘Client’) through QTC Link to the extent authorised by the nominated level of access.
   2. Each user named in the QTC Link Access Request Form may only transact via QTC Link with an organisational domain email. If the user nominates a non-organisational domain email, the user may only transact with a manual instruction provided to QTC.
   3. Any access within QTC Link is subject to these Terms of Use as published by QTC from time to time and the terms and conditions of any facilities made available to the Client by QTC.
   4. QTC is authorised to act upon all instructions and requests issued under the Specimen Signatures Form to effect transactions initiated through QTC Link and disclose information about the Client’s QTC account(s) to the extent authorised by the nominated level of access.
   5. The QTC Link Access Request Form is in addition to and not in substitution to any other notice provided to QTC concerning the operations on an account held by the Client. Amendments to other authorities that the Client may have with QTC now or in the future shall not affect the authority granted under the QTC Link Access Request Form which is to continue in full force and effect until QTC receives a written notice of cancellation of that authority by the Client.
   6. QTC is authorised to treat any transaction effected through QTC Link by a user named in the QTC Link Form within that user’s nominated level of access, on the Client’s accounts as a transaction that is to be undertaken with the Client’s authority without QTC being required to verify the Client’s authority in any case.
   7. Each authorised signatory listed in the Specimen Signatures Form provided by the Client represents and warrants to QTC that:
      1. 1. the specimen signature provided is genuine and that QTC is entitled to rely on that signature for the purpose of effecting transactions initiated through QTC Link, and
         2. they are duly authorised to execute transactions as indicated on behalf of the Client.
   8. QTC is not required to check the accuracy of any instructions, requests or notifications received or sent through QTC Link on the Client’s accounts. Any forms related to QTC Link or transaction instructions may be executed by the Client in counterpart and by way of electronic signature and, if so, each shall be deemed an original.
   9. It is the Client's responsibility to periodically review each user’s level of access to QTC Link and its relevant authorised signatories under the Specimen Signatures Form and confirm that the designated level of access is appropriate and that the authorised signatories provided to QTC are up to date. The Client can check this level of access and its authorised signatories through QTC Link. If the designated level of access for a user or an authorised signatory needs to be changed, the Client must provide QTC with an updated QTC Link Access Request Form and/or a Specimen Signatures Form.
   10. There are inherent risks with transmitting information across the internet and:
       1. 1. QTC is released from all actions, suits, proceedings, claims, costs and demands that may be made, brought or incurred by or against QTC arising from any unauthorised or incorrect instructions or requests to effect transactions via QTC Link on the Client’s account(s) in the manner specified in the QTC Link Access Request Form; and
          2. QTC is not responsible for any expense, damage, loss or cost that may be incurred by the Client as a result of any unauthorised access by any person to the Client’s statements or any other information made available to the Client through QTC Link.
   11. QTC may modify, update or remove features or functionality of the QTC Link system in its sole discretion, at any time, without liability to you or anyone else.
   12. To the extent permitted by law, neither QTC nor any of its employees, contractors, servant or agents accept any responsibility and liability whatsoever for any expense, damage, claim, cause of action, loss or costs arise out, or in connection with any act, omission or negligence of QTC, its employees, contractors, servants or agents.
   13. The Client confirms that each user named in the QTC Link Access Form has been made aware that any access to the account(s) is subject to these Terms of Use as updated by QTC from time to time and the terms and conditions of any facilities made available to the Client by QTC.
   14. Once a person has been given access to the Client’s QTC Link account, it is their responsibility to ensure that their password is kept secure at all times and updated periodically in accordance with the reasonable requirements of QTC. QTC uses multi-factor authentication to verify the identity of QTC Link users including for the purpose of registering a new QTC Link account, password resets and logging-in from overseas.
   15. QTC is committed to protecting the privacy of personal information that it collects. The Client declares that where Personal Information (as defined in the Information Privacy Act 2009 (Qld)) about an individual (such as a QTC Link user or contact person) has been or will be provided in the QTC Link Access Form or is or is otherwise provided as a result of the ongoing use of QTC Link, the Client has made or will make each such individual aware of the fact and:
       1. 1. that the individual’s Personal Information has been collected by QTC for the purpose of providing access to QTC Link, to manage and administer the services, and to protect against fraud, and
          2. in accordance with QTC’s Privacy Statement on our website www.qtc.com.au. The Privacy Statement includes information as to how you can access and/or amend personal information we hold about you.
   16. If the terms of any agreement between the Client and QTC specify a contrary method of initiating transactions on any account of the Client with QTC, these Terms of Use prevail to the extent of any inconsistency.
   17. The Client Administrator is the person that the Client appoints and authorises to maintain the Client’s QTC Link account, including in relation to the following:
       1. 1. Nomination of new authorised signatories (e.g. persons who will be able to access the Client’s QTC Link account and perform certain activities on the Client’s behalf) as set out in the Specimen Signatures Form
          2. Amendment or cancelation of existing authorised signatories
          3. Completion of access profile and permission levels for each user (e.g. what function the nominated signatory is authorised to perform such as to create a payment, authorise a payment or to view financial information)
   18. These are important authorisations and the Client acknowledges that the Client Administrator is permitted to perform the above actions singly. QTC will rely on the information in the Client’s QTC Link account and will not be required to verify the directions and details provided by the Client Administrator.

Use of NAB Connect through QTC Link

Client acknowledgements

1. 1. The Client acknowledges and accepts that:
      1. 1. the Service is provided solely by NAB.
         2. the transactions completed by a Client through NAB Connect are between the Client and NAB and you will be required to enter into a separate agreement with NAB for the provision of the Service
         3. it is the Client’s responsibility to ensure that the transactions completed by the Client through NAB Connect are appropriate for the Client, having regard to the Client’s objectives, financial situation and needs
         4. the Client should seek independent expert financial, legal and tax advice before making a decision about whether or not transactions completed by the Client though NAB Connect are suitable for it
         5. all Client enquires regarding the Service including logins and password assistance are to be directed though NAB
         6. any dispute regarding the Service (including, but limited to, any trades) are to be resolved directly with NAB, and
         7. it is responsible for providing NAB with requested documentation (including, but not limited to, identification checks) and authorised signatories.

Disclosures 

Privacy Notice 

General

1. 1. To the extent permitted by law, QTC:
      1. 1. makes no representation or warranty as to the accuracy, completeness, timeliness, reliability or suitability of the information provided on QTC or NAB Connect and accepts no responsibility for errors or misstatements, negligent or otherwise.
         2. will not be liable for any loss or damage whatsoever caused by a Client's reliance on information obtained from the QTC Link or NAB Connect websites, including from use of tools and calculators
         3. will not be liable for any liability for any direct, indirect, incidental or consequential loss arising out of or in any way connected with the access to or use of QTC Link or the NAB Connect website
   2. No part of the information provided on QTC Link is to be construed as solicitation to make a financial investment.
   3. QTC is not an authorised deposit-taking institution for the purposes of the Banking Act (Commonwealth of Australia) 1959, and its obligations do not represent deposits or other liabilities of NAB. QTC does not guarantee or otherwise provide assurance in respect of the obligations of NAB.