Summary of the terms applicable to e-wallets or cards registered on devices
As you are registering your debit card in an e-wallet on your phone or other device, there are some terms contained in your Engage Account agreement that we want to bring to your attention.
Protecting your account
These are important terms setting out that you need to take all reasonable precautions to keep your card, security details and device safe and to prevent fraudulent use of them. This includes protecting any details stored in an e-wallet, on a retailers website or on any device (such as a mobile phone, tablet, PC or smartwatch).
Your must take reasonable precautions to protect e-wallets and any devices:
- Upon which card details are stored;
- Which can be used to view sensitive payment information; and/or
- Which can be used to make payments form being accessed by anyone else (for example ensuring that you do not share passwords, PINs or enable other people to access your e-wallets or these devices by registering their fingerprint).
To prevent fraudulent use of e-wallets and devices used to access card details or make payments, you must not choose device security information that can be easily guessed by anyone else or tell anyone else what your device security information is.
If you have already setup your device Security Details being registering the store card details or downloading the Engage Card App, you must review this and ensure that your any device Security Details what can easily be guessed or that you have already shared with anyone else and you must delete any fingerprint access that is not your own.
It is sometimes possible to activate certain devices to make payments by linking them to another device when card details are already registered. We will treat any device as your device if you have either:
* Actively paired it with another device or e-wallet which has been registered to store card details or is enabled to make payments or
* Linked it to the device to which the Engage Card mobile app has been downloaded
This means the consequences of failing to keep linked devices safe will be the same as for all other details and Security Details (for example, we may not be liable to refund you for unauthorised payments where you consent to them being used by others).
You must also not activate a payment session on any device if you are not in full contact of the device or it is not in your possession at the time. If you consent to another person using your device by allowing them to register their fingerprint in your device, we will treat this as you failing to keep your card and Security Details safe.
- Dispose of your device by, for example, selling your giving it to someone else; or
- Pass your device temporality to someone else for example, for it to be repaired you must delete your card from the device or from any e-wallets access from the device.
If the account relating to a card stored on a device or within an e-wallet is ended, you must delete the card from your devices and your e-wallets.
We’ll ask you to help us, and the police with any investigation into the suspected misuse of your card, Security details or security device.
If your card, security device, Security Details or a device used to access card details or make payments have been lost or stolen or you suspect someone has used or tried to use them or accessed to tried to access an e-wallet, you must call us straightaway on one of the numbers shown in your agreement.
What we mean by “Security Details”
This means all PINs and passwords you use to access your account by any method. It includes any details in e-wallets, on retailers’ websites or on devices such as mobile phones.
If you have registered a card on a device or within an e-wallet this will include passwords and security processes used to access your device or e-wallet (device ID, passcodes or passwords) and any fingerprints or other biometric or identification methods stored in your device.
Suspension of payment facilities
There are a number of circumstances in which we can suspend or restrict your payment facilities, but there are a couple of additional circumstances that apply to the use of a card registered on a device or with an e-wallet.
These are where:
- The service is no longer available to our customers; or
- You have notified the e-wallet provider, the device manufacturer or a mobile network provider to whom you have been advised to report your device as lost or stolen and they take steps to suspend the cards registered in e-wallet or on a device.
Using a card registered on a device or within an e-wallet to make payments
If you have registered for an e-wallet, you can use a card stored in it or a card stored on your device to make payments to retailers who display the “Visa” sign and accept contactless payments. Contactless payments limits may apply to transactions authorised using a card stored in an e-wallet or on your device. This can vary details retailers and payment card terminals that are used. We may therefore refund a payment transaction if it exceeds the current contactless limit applicable to a specific retailer.
- You can authorise a card payment using a card stored on a device or in an e-wallet by following the procedures notified to you by the device manufacturer or e-wallet provider. For example, this will include:
- At a retailer’s premises by holding your device (e.g. your compatible smartphone or associate watch) within a few centimetres of a card reader and entering the Security Details requested (this includes any devices security information and any fingerprints stored in your device). You may also be required to activate your phone or device first or enter Security Details before presenting the device to the card reader.
- To make any in App purchase on your compatible device with a participating retailer by selecting to pay by that method and entering the Security Details requested for that type of payment (which may include your device Security Details).
- If you have stored more than one card on a device or in an e-wallet, you may be required to select a default card. When you authorise a payment, it will relate to your default card unless you actively select a different card.
Our responsibilities when things go wrong
Your Engage Account terms set out who is responsible when different tings go wrong. We won’t be responsible if you are unable to use a device, an e-wallet or any of your cards stored on the device or within the e-wallet unless this is a result of something we have done. This is because these services are not provided by Engage Account and we do not control the platform, e-wallet or device.
If your account is closed
If you have registered a card relating to a closed account on a device or within an e-wallet, you must also delete the card from each device on which it is registered.