You must keep your Apple Device safe or secure, by locking it when not in use or when it is unattended and/or by installing up-to-date anti-malware or anti-virus software on it (wherever applicable), including ensuring that the device is not modified contrary to the software or hardware guidelines of the manufacturer or intentionally disabling the device’s hardware or software controls (commonly referred to as “jailbreaking”). You acknowledge and agree that the use of a modified device to use your Relopay Card in connection with Apple Pay is expressly prohibited and constitutes a violation of these Terms, and is grounds for us to deny your access to your Relopay Card through Apple Pay.
You must also ensure that your passcode or personal identification number that is required to allow you to use your Apple Device to access and use your Relopay Cards to make purchases through Apple Pay is kept secure in the same way as a cardholder would for a banking password or PIN, including but not limited to, by:
- Not disclosing or sharing to any one;
- Not carrying a record of it with an Apple Device or anything liable to be stolen with an Apple Device (unless a reasonable effort is made to protect the security of the device);
- Not choosing an easily guessable passcode such as the cardholder’s date of birth or a recognisable part of the cardholder’s name; and
- Not acting with negligence in failing to protect the security of the passcode.
You must take all steps and prevent any fraud, loss or theft in respect of your Apple Device or any of your Relopay Card in connection with the use of Apple Pay.
If biometric identifiers are registered on your Apple Device and are used to identify you or be used to grant access to and use your Relopay Card for Apple Pay, you must not save a third party’s biometrics such as fingerprint (biometric information) on the device. In the event a third party’s biometrics are saved on the device, whether now or in the future, and such biometric details can be used to grant access to the device to access and use your Relopay Card, you understand, acknowledge and agree that you will be taken to have authorised that person to transact on your behalf and the relevant transactions will be charged to your Relopay Card, to which you shall be responsible and liable for the same.
If you enrol for biometric verification such as fingerprint identity (“
Touch ID”), personal identification number or passcode on Apple Pay, the collection, storage, enrolment and access to Apple Pay using your biometric information, personal identification number or passcode will be made using the technology on your Apple Device. Accordingly, when you log into Apple Pay and choose to be verified using the technology on your Apple Device, your fingerprint or any other biometric information, personal identification number or passcode will be matched and verified against your device’s technology. Accordingly, you acknowledge that we have no control over the technology on the Apple Device, the availability, capability, verification method, security and integrity of the Apple Device and cannot be held responsible for transactions effected using Apple Pay and authorized using any biometric information or personal identification number or passcode. You should therefore assess if the Apple Device’s manner of verification and risks associated with such use is acceptable to you.
The use of Apple Pay is at your own discretion. You are not obliged to use Apple Pay in connection with any of your Relopay Cards. Accordingly, you agree that the access and use of your Relopay Card on Apple Pay will be considered as authorized by you and you shall be responsible and liable for the same. If you share your passcode with any other person, you are taken to have authorized that person to transact on your account using Apple Pay. This means that any Apple Pay transaction initiated by that person using the fingerprint or passcode will be authorized by you and the clauses of the Agreement which deals with unauthorized transactions will not apply. If your Apple Device is lost or stolen, any biometric information or personal identification number or other passcode is compromised or used or your Relopay Card has been used through Apple Pay without your permission, you must notify us immediately and if we so require, furnish to us a statutory declaration in such form as we specify and/or a police report and/or any other information we may reasonably require. You are liable for all unauthorized use of your Relopay Card in connection with Apple Pay until you notify us unless we determined, at our sole discretion that: (i) you have fully complied with these Terms (including, but not limited to the safety precautions) and you notified us without delay, (ii) you assist in the investigations and recovery, and (iii) we are satisfied that such unauthorized transactions are not due to your wilful misconduct and/or gross negligence and that you have not acted fraudulently.
You agree and acknowledge that the transaction history displayed in Apple Pay in connection with the use of your Relopay Card in Apple Pay solely represents our authorization of your Apple Pay transaction using that particular Apple Device and does not reflect any post authorization activity, including but not limited to clearing, settlement, foreign currency exchange, refunds, returns or chargebacks.
Accordingly, the purchase amount, currency, and other details for your Apple Pay transaction history in connection with use of your Relopay Card in Apple Pay may not match the transaction amount that is ultimately cleared, settled, and posted to your Relopay Card statement of account. If there is any inconsistency between your Relopay Card statement of account and transaction history displayed in Apple Pay, your Relopay Card statement of account shall prevail, and you will remain liable to us for the amounts set out on your statements.