Applicability of Terms

If you:

  • visit; or
  • access; or
  • rely on

any material on our websites, you are bound by these Terms.

If you do not accept these Terms, you should not use our website.

Membership of Hiver Bank

Membership is open to citizens of Australia who are: employees in the education, emergency services, or health sectors; or are graduates or students of an Australian university; or are family members of members (i.e. shareholders) of the Bank.

Products and services

Information on our website regarding products and services does not constitute an offer or inducement by us for these products and services.

Unless otherwise specified, the products and services described on our website are available only in Australia. See "information information" below.

No reliance

Whilst we make every endeavour to ensure that the material on our website is accurate and up to date, we cannot always guarantee the accuracy or completeness of all our material. You must refer to specific information and material (for example, membership eligibility criteria, Financial Services Guide, product terms and conditions), before making any decision about applying for membership or any of our products and services.

Accessing our website from mobile devices

If you access our website from a mobile device, you may not be able to access the full range of functionality otherwise available. You must not make any application for membership, or apply for a product or service, until you have accessed all necessary information and material.

Website security

Your use of our website is at your own risk. We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted. You should therefore ensure that the way you access our websites does not expose your equipment to the risk of viruses or other forms of interference which may damage it.


When you visit our website, we may collect personal information about, you, particularly if, for example, you perform transactions via internet banking.

Our Privacy Framework sets out how we deal with personal information about you, both generally and in specific circumstances, such as lending. You can find out how we collect, hold, use and disclose personal information about you, as well as how you may complain if you think we may have breached your privacy.


Cookies are small files placed on your computer hard drive when you first visit a website. They tell website owners when somebody returns to their website, how often someone visits the website and what they do while using it – for example, what pages they access, what functions they perform and so on.

In this way, cookies assist us to develop our website.

Personal information is not collected unless you submit personal details whilst using the website. Cookies can enable you to personalise your website usage, as personal details can be stored and retrieved each time you visit.

Whilst you can configure your browser to reject cookies, most websites (including ours) require you to enable cookies in order to use the website.

We also use web-based tools that collect and analyse data in order to verify that visitors to our websites are individuals and not robots. This helps to prevent abuse from activity such as spam. These tools collect depersonalised data including IP addresses, date and time of visits, browser types, cookies and plugins. The depersonalised data is sent to our external provider and assists with system usability.

We sometimes place banners or other advertisements on the websites of our business partners and affiliates. These can link through to our website. So that we can effectively monitor the effectiveness of these placements, our business partners and affiliates may use cookies to collect information such as the date and time of your visit. This information may then be given to us.

Social media

We use social media to keep our members, customers and followers informed about us and our activities.

If you access social media (including our pages) from our website, you leave our website. Social media providers have their own privacy policies and security levels, which we suggest you verify before using a site. We cannot and do not endorse any content (other than that created by us) which may be found on these sites.

We will never ask you via social media to provide any of your banking details. Please refer to our community guidelines for Facebook.

Third party websites & products

As noted, we have a number of business partners and affiliated organisations.

Our website may contain links to their websites. With regard to our business partners and affiliates:

  • their products and services and any software downloads are issued by or licensed to them; and
  • we do not provide any guarantees or warranties regarding such products and services and other material provided by our business partners and affiliates.

We may receive commissions if you purchase products and services from our business partners and affiliated organisations.


We monitor the content of incoming emails for security purposes. We also monitor outgoing emails for quality assurance.


Whilst we strive to ensure that our website is always available, there may be times when it we cannot guarantee that:

  • access will always be available; or
  • access will be uninterrupted; or
  • our website will be virus free.

If any time it appears to you that any functionality on our website is unavailable or malfunctioning, you must not proceed with any transaction.

No liability

Neither Hiver Bank nor any of its agents, employees or staff is liable to you on any basis whatsoever for any loss, damage, liabilities or claims arising out of your use of our website.

Intellectual property

All material on our websites is subject to copyright or trade mark law. You must not reproduce or distribute any material in any form without our prior written consent.

Amending these Terms

We may amend these Terms at any time. The amended version will be published on our website.

1Conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. Full details are available on this website or on request. Lending criteria apply to approval of credit products. Any information is general in nature and does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding.