Web Site Requirements

All merchants applying for an eCommerce Merchant Facility must comply with Westpac’s

Website Requirements prior to approval for a merchant facility, and maintain these standards for the lifetime of the Merchant Facility. Westpac reserves the right to decline, deactivate access or terminate any merchant who does not comply with these requirements for the duration of the facility.

At all times, if you are accepting card payments via PC/MAC transmission, you are required to use a minimum Secure Socket Layer (SSL) of 128-bit encryption and if Westpac has advised, 3D Secure. For more information, contact your Gateway supplier or your Westpac sales representative.

1. You must display the following on your website:

(a) contact information, including your trading name, Australian Business Number (where required), trading address, landline telephone number, fax number, e-mail address and your country of domicile;

(b) a complete description of all goods and services you offer on your web site.

(d) transaction currency;

(e) total costs of the goods or services offered including all appropriate shipping/handling charges and taxes. Where the total cost of the transaction cannot be ascertained in advance you must include a statement to that effect and provide a description of the method that will be used to calculate it;

(f) images of Card types accepted for payment that we supply to you;

(g) customer service policies, including usual delivery timeframes, and the process if you cannot fill the order for any reason. You must advise your customers within two business days if goods are not available;

(h) export restrictions (if known);

(i) refund/return policy;

(j) consumer data policy;

(k) security capabilities and policy for transmission of payment card details.

2. Your web site must not:

(a) contain anything that constitutes or encourages a violation of any applicable law or regulation, including but not limited to the sale of illegal goods or the violation of export controls, obscenity laws or gambling laws;

(b) offer for sale goods or services, or use or display materials, that may be considered by a reasonable person to be obscene, vulgar, offensive, dangerous, or are otherwise inappropriate.

3. Payment pages provided will be accredited by us or a Westpac accredited provider and must adhere to our security requirements.

4. Each merchant domain name must utilise separate payment pages.

5. You must enable the use at all times of a Secure Socket Layer (SSL) of 128-bit encryption or higher to establish a secure browser session between you and your customer when receiving cardholder information via the internet.

6. If 3D Secure is required by Westpac as a requirement of approval of your Merchant Facility, ensure all MasterCard and Visa card payments for your products/services are entered by your customers through an operational 3D Secure Merchant Plug In.

7. If any information you provide is untrue, inaccurate, not current or incomplete, we have the right to decline or refuse any and all current or future use of the facility.

8. We also reserve the right, in our sole discretion, to decline, de-activate or terminate any merchant who:

(a) engages in any activities that infringe the rights of any third party, including but not limited to the intellectual property, business, contractual, or fiduciary rights of others; or

(b) has substantially changed its goods or services or other material aspects of the merchant’s web site from the time it was approved.

Examples:

The website requirements which are outline in section 1 are explained below with examples. If you have any queries in relation to the requirements below please contact your Sales Consultant.

* The domain name can be an abbreviation of the trading name however there needs to be an obvious correlation between the domain name and the trading name. If you are unsure please contact your sales consultant

1. You must display the following on your website:

(a) contact information, including your trading name, Australian Business Number (where required), trading address, landline telephone number, fax number, e-mail address and your country of domicile;

Example:

ABC Pty Ltd

ABN 01 234 567 890

Postal Address PO Box 00

Epping, NSW, 2121

AUSTRALIA

Address: 12 Langston Place

Epping, NSW, 2121

AUSTRALIA

Phone: +612 9876 9000

Fax: +612 9876 9000

Email:

(b) a complete description of all goods and services you offer on your web site.

Must Include:

- Product description

- Pricing

Examples:

1. AUD to appear next to all pricing (AUD $123.00)

2. Terms and Conditions: “All transactions are processed in Australia Dollars (AUD)”

3. Pricing Policy

Pricing Policy

All of our prices are in Australian dollars (AUD) and include GST (Goods and services tax) as of [the updated date here] Product prices are regularly updated when price changes are received from our suppliers. If you find a cheaper advertised price somewhere else, email or phone us with the details of the supplier together with prices of the product required and we will endeavour to provide you with a more competitive price.

(d) a clear explanation of shipping practices and delivery policy;

Example:

Shipping and Delivery Policy

We deliver products Australia wide using [shipping company]. Shipping costs are influenced by the size and weight of the product and your location, exact shipping costs are calculated in the shopping cart and will be added to the order total before checkout.

Orders are dispatched within 2 business days and shipping times are estimated at between 3-7 business days depending on your location within Australia.

Shipping Destinations:

ABC Pty Ltd ships goods Australia wide and internationally OR

ABC Pty Ltd ships goods Australia wide, however at this time we do NOT accept international orders through our website, please contact us on +61 2 9876 9000 to enquire about a special order.

Examples:

· All prices displayed on this website include shipping costs

· We charge a flat rate of AUD $10.00 for every order regardless of quantity

· We charge a flat rate of AUD $5.95 per item

· If shipping costs are calculated in the shopping cart then an explanation of how they are calculated is necessary such as handling, size, weight and destination. Calculator must be operational when we assess the website.

(f) images of Card types accepted for payment that we supply to you;

Not essential at the time of website assessment, approved merchants will receive the appropriate images from their gateway provider.

Example:

Customer Service Policy

[Company Name] is committed to providing exceptional customer service and quality products. We endeavour to make sure that all products listed on our website are currently in stock and pricing is true and correct.Standard delivery timeframes are between 3-10 business days; in the event that an ordered item is not available or we are unable to fulfil your order we will notify you within 2 business days to arrange an agreeable alternative item, a backorder or a full refund.

(h) export restrictions (if known);

(i) refund/return policy;

Example:

Refund Policy

Please choose carefully. We do not normally give refunds if you simply change your mind or make a wrong decision. You can choose between a refund, exchange or credit where goods are faulty, have been wrongly described, are different to the product purchased on the website or doesn’t perform as advertised.

(j) consumer data policy;

Example:

[Company name] is dedicated to keeping your details private. Any information, we collect in relation to you, is kept strictly secured. We do not pass on/sell/swap any of your personal details with anyone. We use this information to identify your orders, provide you with our monthly newsletter (if applicable) and to personalise your shopping experience with us; that's all. [Company name] uses cookies to allow you to login to your account, maintain a shopping cart and to purchase items in your shopping cart. Cookies sent to your computer from [Company name] only last while you’re browsing our website. We do not store persistent cookies on your computer. Cookies also allow us to give you a more personalised shopping experience by displaying products that interest you throughout our product pages, thus providing you with a more friendly, interesting and enjoyable shopping experience.

Whenever you use our web site, or any other web site, the computer on which the web pages are stored (the Web server) needs to know the network address of your computer so that it can send the requested web pages to your Internet browser. The unique network address of your computer is called its "IP address," and is sent automatically each time you access any Internet site. From a computer's IP address, it is possible to determine the general geographic location of that computer, but otherwise it is anonymous.

We do not keep a record of the IP addresses from which users access our site except where you have specifically provided us with information about yourself, in which case we also record your IP address for security purposes. An example of this would be when proceeding to a checkout to finalise an order you may wish to make. After completing the form provided, your IP address will be stored along with a transaction number that allows us to track your order.

(k) security capabilities and policy for transmission of payment card details.

Example:

Security Policy

When purchasing from [Company name] your financial details are passed through a secure server using the latest 128-bit SSL (secure sockets layer) encryption technology.128-bit SSL encryption is the current industry standard. If you have any questions regarding our security policy, please contact our customer support centre [company email address]