Be confident shopping online
Opus Secure provides you with extra security for your online transactions. It allows you to choose a secret password that needs to be keyed in addition to your card number and expiration details when making an online purchase from a retailer who also subscribes to the scheme. It is not designed to verify the quality or fitness for purpose of the goods or services ordered. As always, customers need to satisfy themselves that they are dealing with reputable retailers.
Every time you use your card for online purchases with participating companies, you'll be asked to confirm the purchase by entering your password on a secure and completely confidential pop-up screen.
Before you can use Opus Secure you must agree to be bound by the conditions below. Please read them carefully before deciding whether to accept them.
Opus Secure conditions of use:
"Account" means any account you hold on which a credit card has been issued by Halifax or Bank of Scotland plc on behalf of Opus.
"Identity details" means the personal information you provide us with when enrolling to use Opus Secure and which we use to verify that you are the holder of an Opus Card account.
"Personal Message" means the Personal Message you choose when you enrol which will be shown to you when making online purchases through participating merchants.
"Password" means the password you choose to identify yourself with when using Opus Secure.
"Username" means the username you choose to identify yourself with when using Opus Secure.
"We", "us" and "our" means Opus.
"You", "your" and "yours" means the person who has entered into this agreement with us.
2. Using Opus Secure
When you use Opus Secure, both these conditions and your account conditions will apply. If they contradict each other, the relevant condition in your account conditions will apply.
a) To enrol for Opus Secure you must provide us with identity details which we will check.
b) When your identity details have been verified you must also choose a unique password, username and Personal Message.
d) If you do not provide adequate identity details we will not allow you to enrol for Opus Secure.
a) You are responsible for keeping your password and username secret. You must not write down, store (whether encrypted or otherwise) on your computer or mobile phone handset or let anyone else know your password or username, and the fact that they are for use with this service.
b) If you think that someone else knows your password or username or has used either of them to use Opus Secure, you must change it immediately using the Opus Secure "Personal Account Manager" facility. If you are unable to use this facility, you can notify us by calling the helpdesk telephone number on the back of the card you use with your account.
c) For administration or security reasons, we can require you to change your password before you use (or carry on using) Opus Secure.
d) If we think that:
- someone else is trying to use Opus Secure for your account;
- you or someone else is using Opus Secure illegally;
- you are not keeping to these conditions or your account conditions; or
- your password or username might be known by someone else we can stop you using Opus Secure.
e) We may give the police or any prosecuting authority any information they need if we think it will help them find out if someone else is using your password or username.
f) We may keep any emails sent to or from us. We do this to check what was written and also to help train our staff.
We may change these conditions for any reason by sending written notice to any address you provide us with (including your email address) or by publishing the change on our web site. If you change your address (including your email address) you must notify us immediately to ensure that our records are up to date. Opus Secure may be amended or terminated, either temporarily or permanently, without notice where the amendment or termination has been required by MasterCard® International who run the payment systems for the cards used with your accounts.
In addition, when using certain Opus Secure services, you will be subject to any rules or guidance which applies to those services that are shown on that web site.
a) If you wish to terminate your use of Opus Secure, please phone customer services on 020 7871 0464* and ask for your account to be de-activated. Any purchases made using Opus Secure prior to deactivation will not be affected.
b) We can terminate your ability to use Opus Secure on written notice. We will normally provide you with thirty days written notice, however, in exceptional circumstances we may terminate your access immediately and notify you as soon as possible thereafter at your current email address.
7. Your liability
a) Unless you are a victim of fraud, you are responsible for all instructions sent using your password.
We strongly recommend that you print a copy of these conditions for you to keep.
Be confident shopping online