I want
to zoomit

Frequently Asked Questions for recipients of electronic documents

• A. How does Zoomit work?
• B. How to view a document in Zoomit?
• C. My invoices in Zoomit
• D. The banks that offer Zoomit
• E. Privacy and legal issues

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A. How does Zoomit work?

A 1. What's Zoomit?

Zoomit is a free service in your Internet Banking. You are free to use it or not. Thanks to Zoomit you will find you invoices (directly debited or not) and pay slips in no time.

If you need to pay invoices in Zoomit, you do not need to reenter the payment manually in your Internet Banking. A prefilled transfer form will make it easy for your. You only need to approve or refuse it.

In this way you handle your payments quickly and easy in your Internet Banking. Advantage: more transparancy and control. And what's more, you're helping nature a hand and your don't lose time anymore in finding documents.

A 2. How does Zoomit work?

Zoomit enables you to view, manage and pay your invoices from your Internet Banking application. Zoomit also gives you access to your payslips and other documents linked to your financial transactions.

Log into you Internet Banking application.

The Zoomit icon appears (next to your account or on the welcome page): this means that a document (new or already consulted) is available via Zoomit. Click on the Zoomit icon to see the document or to to or to execute an action.

See Zoomit start-up guides.

A 3. Which type of documents can I receive in Zoomit?

In Zoomit you can receive salary slips, direct debit invoices and invoices without direct debit.

A 4. How does the sender know to which account(s) he should send the documents?

That depends on the type of electronic document to be sent via Zoomit:

• Pay slip: you already have an agreement with your bank for your salary automatically to be paid on to your current account. The same account shall be used for sending your pay slips via Zoomit.
• Invoice with direct debit: you already have a unique direct debit number set up with your bank for the automatic payment of your invoice. The same account shall be used for sending your invoice via Zoomit.
• Invoice without direct debit: the sender of the invoice will contact you to arrange which account(s) to use for sending documents via Zoomit. Otherwise the account number used for your most recent payment will be the one used.

A 5. Notificiation by e-mail: what is involved? How do I subscribe?

It is a message that you receive in your personal inbox to alert you of the reception of a new document in your Internet Banking application. When you use Zoomit for the first time, you must mention in the optin screen if you wish to benefit from this service and also indicate the e-mail address to which you want the notifications to be sent. As soon as a new document is available in Zoomit, you will automatically get notified by e-mail. It is always possible to modify the frequency of e-mails and e-mail address later via E-mail configuration in the screen My personal data.

A 6. Do I have to pay for Zoomit?

No, Zoomit is an additional free service that has just been added to your Internet Banking program.

A 7. Will I continue to receive hard-copy invoices if I use Zoomit?

In order to ensure a smooth transition, companies and organisations issuing electronic invoices via Zoomit will continue to send you hard-copy invoices for a while. The length of this transition period varies from one issuer to another. For details, check the Information about senders page.

A 8. My name does not appear correctly at the top left in the Zoomit access screen. How can I correct it?

Get in touch with the relevant contact person at your bank (in your branch). He/she will take actions to correct the situation.

A 9. How do I unsubscribe from Zoomit?

We sincerely regret that Zoomit did not satisfy your needs. If you still wish to unsubscribe from Zoomit and thus start receiving hard-copy invoices again, please follow the following procedure:

1. Open your Internet Banking application and click on the Zoomit icon that is next to your bank account.
2. At the left hand side of the Zoomit screen, select My Senders - Summary.
3. Then click on Details in the Registration column.
4. Under the heading Registered people, select Modify.
5. In the section Electronic documents section, tick No to the following question: “I would like to continue receiving documents from this sender via Zoomit”.
6. Finally, you must validate the whole procedure by confirming twice. Your withdrawal from Zoomit has now been registered. You will now receive again paper documents. ontvangen.

You have to repeat these steps for each sender of which you do not longer want to receive documents via Zoomit. The Zoomit icon will continue to be visible in your Internet Banking application even though you are no longer using the service.

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B. How to view a document in Zoomit?

B 1. What are the technical requirements for working with Zoomit?

Zoomit is integrated into your bank’s Internet Banking application. The requirements in terms of operating system and internet browser are identical to your Internet Banking application settings. But you will need to have Acrobat Reader to be able to read electronic invoices. Adobe Acrobat Reader can be downloaded free of charge. This program is used all over the world for reading PDF files.

B 2. How do I accept a document for the first time from a new sender?

As soon as the Zoomit icon appears next to your bank account in your Internet Banking application, it means that a document is available. When you click on this icon for the first time, you will be asked to accept the Zoomit conditions.

Step 1: You accept the specific Zoomit terms of use of your bank. Click on your bank logo for further information.

Step 2: You accept the Zoomit conditions of the issuer of the document as described below.

The following screen Add [name of the issuer of the document] in Zoomit - Receive documents from [name of the issuer of the document] via Zoomit: will open:

• On the screen you can read more information about the Zoomit service and about the terms and conditions.
• Tick the box before the sentence 'I want to receive document from Company via Zoomit and I accept the terms and conditions.'
• Click on the Confirm button.
• The screen '[name of the issuer of the document] has now been added in Zoomit -Confirm your preferences'' opens:

1. Viewing by third parties : Please indicate whether you agree or not to share your documents with other people authorized to act on the account by choosing Yes or No. By default No is activated.
2. Set your preferences and decide which e-mail address you want to use to receive warnings when a new document is waiting for you in Zoomit.
   • E-mail address: Please state the e-mail address to which Zoomit can notify you of the arrival of a new document.
   • Frequency : determine when you would like to have a warning by e-mail : each time a new document arrives, once a week or never.
3. Click on the button Confirm and consult the document. The digital document will open in PDF and will just be the same as the paper version. If you have questions about the content of the invoice or pay slip, please contact the issuer.

Attention: If the screen below appears, just confirm that you have the agreement to open and read documents on behalf of the person mentionned.

B 3. Zoomit activation code: what is it? Where do I find it?

The Zoomit activation code is a series of numbers and letters issued by the sender of the document if the sender does not consider the contents of the document as strictly private. The code often corresponds to your customer account number for the sender and is also found on a hard-copy invoice. This code is required in Zoomit if you wish to view a document for which you aren’t the direct recipient (e.g. your spouse) or for which you are the recipient, but your details do not coincide with the information in your Internet Banking application (e.g. your identifier – last name and/or first name –spelt incorrectly). Private documents do not have a Zoomit Activation Code. For more information about each issuer, please refer to the specific information about your issuer.

B 4. When I click on the Zoomit icon, nothing happens. Why not?

Possibility 1 : security message in Internet Explorer (Windows XP Service Pack 2) (show/hide more information)

Possibility 2 : Pop-up blocker (show/hide more information)

Possibility 3 : Activer JavaScript dans navigateur Mozilla/Firefox (show/hide more information)

If you are using Mozilla/Firefox as a browser, you must have activated the ‘Enable JavaScript’ option. Solution Go to Tools - Options - Content and select Enable JavaScript.

B 5. I get a ‘Security Alert’ screen when I click on the Zoomit icon. What is happening?

Choose Yes (in Internet Explorer) or OK (in Mozilla/Firefox) to continue. The warning screen depends on the settings of your browser. Your browser will warn you that you are leaving the secure Internet Banking zone and that you are entering the secure Zoomit zone. Whatever happens, you will still be working in a secure environment. The bar at the bottom of your browser also shows you when you are working in a secure environment by displaying the padlock icon.

• Tick ‘In the future, do not show this warning’ in the ‘Security Alert’ window in Internet Explorer. OR:
• in your Internet Explorer browser go to Tools - Internet Options - Advanced menu - Security and deactivate the option ‘Warn if changing between secure and not secure mode’.

B 6. I receive the following warning message: “You will not receive electronic documents from us. However, the links to these documents are still available in the Zoomit environment to enable you to access these documents in the future. If you wish to receive documents from this issuer at another account number, please inform the issuer”.

This message means that there is a document available in Zoomit from a sender that you have not yet accepted. In order to view this document, you need to accept the sender by following the procedure explained in the Top 10 FAQs - question 3.

B 7. I receive the following warning message: ‘You do not have access to the information relating to this. This is a private and may only be viewed by the recipient him/herself’. Why?

The recipient of a document chooses whether he/she wants to grant access to confidential information (pay-slips, telephone accounts, etc.) to other people in Zoomit. This red alert means that the document recipient has not (yet) given you the authorization to view documents. If this is the case, contact the recipient to get more information .The recipient can then, if he/she wants, modify the access rights for documents sent to him/her via the screen Congratulations, you are registered! - The sender X is added to Zoomit or in the Zoomit application via This Sender –Manage registration.
You will find more information about the protection of privacy in the Zoomit code of conduct.

B 8. I am trying to open a Zoomit document with my PDF reader but I get the following error message: 'At least one signature is not valid'. What should I do?

You get this message because the certificate linked to the electronic signature on the document sent by the issuer via Zoomit is not recognized by your PDF Adobe Reader. To avoid this kind of message, you have to accept the signature once. As a Windows user you can validate the advanced electronic signature.

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C. My invoices in Zoomit

C 1. What information appears on an electronic invoice sent via Zoomit?

An electronic invoice sent via Zoomit includes exactly the same information as there is on a hard-copy invoice.

C 2. I don't agree with the contents of my invoice.

Please contact directly the sender if you have any questions concerning :

   * the content of your invoice

             o incorrect amount or details
             o incorrect information
             o payment modalities
             o a change in address or bank account number
             o a promotional offer

    * the reception of the invoice

             o not received
             o received twice

You can find the senders' information on the top part of the Zoomit screen (grey part) when you view a document. Your bank and Zoomit do not have access to the content of your documents. 

C 3. Is the due date on an electronic invoice the same as on a hard-copy invoice?

The due date stated on an electronic invoice does not differ from the due date printed on a hard-copy invoice.

C 4. How long do my invoices and payslips stay online?

That depends on the issuer and the type of document. With Zoomit, this period can vary from 3 to 60 months. If you wish to know exactly how long each issuer displays the documents, you have two options:

1. Via the Zoomit website, in the section on Need help? – Information about issuers

Each issuer is presented briefly and mentions how long documents sent via Zoomit are kept available. Select a specific issuer to view what that period is in Documents – Online availability.

2. Via your Internet Banking application in the Zoomit screen

• Open the document in question in Zoomit.
• In left hand side menu, under My Senders, click on Summary.
• Then, in the Registration column, click on Details.
• A details screen is then displayed: you will be able to see how long this particular document will remain available in Document online. Before the indicated expiry date, you can download and archive the document anytime in order to still be able to view it when it is no longer available on line.

C.5 Though I use Zoomit and pay my invoices regularly, Zoomit is telling me that I have unpaid invoices.

As soon as new documents are available in your Internet Banking application, Zoomit notifies you, even if you have chosen not to use Zoomit. It is thus an informative message and you are free to use or not Zoomit.

If you agree with the invoices that are waiting that still haven't been paid, you can do it via the pre-filled transfer bulletin in Internet Banking. The status " To be paid" will automatically be changed to "Payment initiated, check your bank statements".

If exceptionnally you have already paid an invoice via a different method such as:
 
   * manual encoding in your Internet banking application,
   * directly at the counter of your banking agency,
   * via a bank terminal,
the status To be paid stays unchanged in Zoomit. You can then modify the invoice payment status yourself.

To do this, please follow the following steps :     

1. Connect yourself onto your Internet Banking application.
2. Click on the Zoomit icon
3. Select the invoice for which you would like to modify the payment status.
4. Click on the Relative information to the payment icon
5. In the Payment status box, select Modify.
6. In the Modify status box, select Payment done and add the payment date and possibly a comment.
7. Click on Confirm.
8. Return to Zoomit's home page and the status of the document will have changed from To be paid to Payment initiated, check your bank statements. This manual modification will not have any consequence over the payment of the invoice.

When Zoomit proposes an invoice to be paid, no need to encode it manually into your Internet Banking application. The transfer bulletin is pre-filled in for you. All you need to do it approve or refuse it. The payment status will thus be automatically modified.

 

C 6. What does the payment status mean in Zoomit? Is it possible to modify it?

The payment status in Zoomit is for information only and indicates whether you have paid an invoice or statement via Zoomit or whether it is a direct debit. This does not mean that you have no more to pay, because only the issuer knows whether you have paid everything correctly. On the other hand, you may already have paid the invoice using another means (i.e. not via Zoomit), which means that the status is ‘To be treated’. If this is the case, you can modify the status manually.

To make a manual modification, you need to go through the following steps:

1. Open your Internet Banking application and click on the Zoomit icon that appears next to your bank account.
2. In the My Documents – Summary section, select the document for which you wish to modify the payment status.
3. In the grey box to the left of the Zoomit screen, click on the Information relating to the payment  icon.
4. In the Payment Status box, select Modify in the Comments column (only possible if the status is To be treated).
5. In the Modify Status window, tick Payment made and enter the date of payment (figures only). Then confirm the procedure.

Explanations about payment status icons:

• To be treated : Invoice, new or already viewed, for which no payment was made via Zoomit.
• Payment encoded :
• Invoice for which:
• either the sender has initiated payment (e.g. direct debit or payment in your favour),
• or you have registered a payment at the bank (by transfer),
• or you have modified the status manually.
• Paid : Confirmation by the sender that the invoice has been paid and that the amount has been debited from your bank account. Your bank statement will record this withdrawal. Note: this is an optional service on the part of your sender.
• Cancelled : Invoice for which the sender has cancelled the payment (e.g. the amount had to be added to a subsequent invoice).

C 7. I have never used Zoomit and Zoomit is telling me that I have unpaid invoices. How come?

As soon as new documents are available in your Internet Banking application, Zoomit notifies you, even if you have chosen not to use Zoomit. It is thus an informative message and you are free to use or not Zoomit.

When you receive an invoice, Zoomit will inform you at the moment of reception that the status is 'To be treated'. The status 'To be treated' will automaticallly be modified when you pay the transfer via the prefilled transfer form in your Internet Banking.

If you wish not - or no longer- to use Zoomit, make sure that you unsubscribe from the Zoomit service with each sender.

 

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D. The banks that offer Zoomit

 

D 1. Which banks already offer Zoomit as part of their Internet Banking services?

View the most recent list of banks who have already incorporated Zoomit into their Internet Banking applications.

D 2. I don’t wat to see Zoomit in my Internet Banking application anymore

Zoomit (the icon and content) is automatically present in your Internet Banking application and notifies you that documents are available. You can not delete this service. On the other hand make sure that you have unsubscribed correctly (question A 9) from each sender as decribed before.

D3. I have chosen another bank. What about Zoomit?

If you choose another bank, Zoomit documents can be sent to your new bank account number. Contact the issuer of the invoice who will make sure that your Zoomit documents are sent to your new bank account. Do not forget to store your previous invoices and payslips on your PC or in any other storage media.

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E. Privacy and legal issues

E 1. Can I give access to my online Zoomit documents to other people?

In principle, only the recipient specified by the sender – for example, for payslips, the employee, or for invoices, the addressee – can access the documents addressed to him/her. Extensive security measures have been taken to ensure that documents arrive only at the destination indicated by the sender and to avoid a third party from obtaining access to documents not intended for them. However, you can also grant permission to view an electronic document to other people who have access to your bank account via the screen Congratulations, you are registered! - The sender X is added to Zoomit or in the Zoomit application via This Sender - Manage registration. You can withdraw such permission at any time.
You will find more information about privacy protection in the Zoomit code of conduct.

E 2. What measures are taken to raise the level of security and protect my personal data when I use Zoomit?

The issuers, the banks and Isabel place great emphasis on security and protection of personal data. They make every effort to ensure that the regulations applying the protection of privacy are closely adhered to. The way in which these parties respect your rights is always indicated in the privacy policy of the concerned parties
All parties concerned commit themselves to comply with the Zoomit code of conduct.
(show/hide more information)

All communication between the issuer, the bank’s Internet Banking application, the Zoomit network and your web browser is protected by very sophisticated security systems. In particular, all messages are encrypted and protected by public and private keys at least 1024 bits in length. This protection guarantees that messages cannot be intercepted. In addition, all of the computers (“servers”) operated by the issuers, banks and the Zoomit network are scrupulously protected against any attempt by third parties to gain access; only hand-picked employees are authorised to access data that has been recorded. It is also important to underline that backup copies of digital documents and data recorded by the banks and the Zoomit network are made regularly with an extremely high level of accuracy. This means that your data is protected against the risk of natural disaster, power failures, computer breakdowns and any other incident that might occur. To guarantee the security of all transactions, the Zoomit network also uses what are known as “Benchmark measures for the secure processing of data of a personal nature”. These measures have been developed by the Belgian Privacy Commission. If you have any other questions about the way in which your personal data is protected in the Zoomit environment, please send them to Zoomit-Privacy@isabel.eu. If you would like to find out more about the way in which your bank or an issuer protects your personal data, please contact your bank or issuer directly.

E 3. Can the bank see the documents that I receive via Zoomit?

Neither the bank nor Isabel S.A. has any access to the documents that you can view via Zoomit. Only the user and the issuer of the document can see its contents.

E 4. My partner and I have a joint account into which our respective salaries are paid. Will we be able to view both of our payslips via Zoomit?

If you have a joint account with your partner and you both use a personal password to access the Internet Banking application, you will only be able to view the payslip linked to your name. If, however, your partner has granted you authorization to view any electronic documents addressed to him/her, by ticking Yes below the specific question in the screen Congratulations, you are registered! - The sender X is added to Zoomit, you will also be able to view his/her payslip.

E 5. Is Zoomit secured?

As you start Zoomit up from your Internet Banking program, you will find yourself automatically in a secured environment. Extensive protective measures have been taken to guaranty that the documents reach exclusively the indicated recipient and that no third party is able to have non authorized access. The senders, the banks and Isabel make security and protection of personal data a point of honour. They do everything they can to ensure that the rules imposed by the privacy policy legislations are meticulously respected. The way in which these parties respect your rights always figures on the privacy policy statements for the parties in question. All parties undertake to comply with the Zoomit code of conduct.

E 6. I did not agree on having documents presented to me in Zoomit

Zoomit uses a very simple principle: your bank account number corresponds to the address to which your documents are sent.

The sender knows your account number because:

• you gave it when you subsribed to a new working contract, a service contract, an inssurance contract,...
• you paid a previous invoice with this bank account number

  

1. A sender proposes documents via Zoomit: he/she sends a list of all the account number for which documents are available to the banks
2. Your bank notifies you of the presence of documents via the Zoomit icon present on your Internet Banking application. It is thus an informative message which you are free to view or not.
3. When you click on the Zoomit icon to ask to view the documents, Zoomit calls upon the transmitter to post the document
4. In responce to this request, the sender immediatly publishes the documents on the screen in PDF format.

None of the documents are visible by Zoomit nor by your bank. More information about privacy policy (see question E2)

 

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