10- Payments

10.1. Mistaken Payments

If you make a payment from your Account in error, it may not be possible to stop or reverse the payment once it has been made. You may only be able to recover such a payment made in error through court action or with the consent of the Account holder who received it. If you ask us to recover a payment from your Account, we will use reasonable efforts to do so, and we may charge you our reasonable costs to do this.

10.2. We can Decline Payments

We can decline payments from your Account if:
        you have not provided all information needed for us to process the payment or comply with any Applicable Law, or we have not been able to verify the information to our reasonable satisfaction, or we reasonably consider that the information is materially inaccurate;
        we are required to do so by any Applicable Law;
        we reasonably suspect the payment is being used to facilitate fraud, money laundering or other illegal activity;
        we reasonably consider it necessary or prudent to protect one or all of the parties to the account, our legitimate interests, or the legitimate interest of a third party; or
        we reasonably suspect that the payment is unauthorised.

10.3. We Can Reverse Payments

We can reverse payment paid into your Account, without your consent and without giving notice, if:
        we have made an error;
        the person or organisation making the payment has made an error;
        we are required to do so by any Applicable Law;
        we reasonably suspect the payment is being used to facilitate fraud, money laundering, or other illegal activity; or
        we reasonably suspect the payment was unauthorised, or that you are not legally entitled to retain it.