Travel Money Oz Apple Pay Terms and Conditions
Effective 18 June 2024
1. About these Terms and Conditions
These Travel Money Oz Card Card Apple Pay Terms and Conditions (“Terms and Conditions”) together with the product terms of your accounts, govern the use of your eligible Travel Money Oz Card with Apple Pay. Where any term in these Terms and Conditions is inconsistent with the PDS, the PDS applies.
You agree to these Terms and Conditions by adding an eligible Travel Money Oz Card to Apple Pay on your supported device. For information on eligible Travel Money Oz Card and supported devices please visit travelmoneyoz.com
2. Using and managing Apple Pay
You can add an eligible Travel Money Oz Card to Apple Pay on supported devices. An eligible Travel Money Oz Card can be unlinked from Apple Pay by following the instructions on the Apple Pay app. You can also ask us to suspend or close your card from Apple Pay by calling us on 1300 426 997. If you have a physical Travel Money Oz Card, it will no longer work once your digital card is suspended in Apple Pay.
As part of the process we will either send you a text message (to the mobile phone number you have registered with us) with a verification code or have you verify your identity via our Contact Centre. You should ensure that we have your correct mobile number in order to receive the verification code via text message.
Once you have added your card to Apple Pay and been verified, you may authorise and process transactions by using the relevant supported device in place of your eligible Travel Money Oz Card at a contactless payment terminal. Each transaction is not to exceed the daily limits of the card as set out in the Product Disclosure Statement.
In some cases, you may temporarily exceed this limit, for example where systems are unavailable. You may be required to enter your card PIN into the merchant’s terminal or enter your security credentials on supported devices to complete a transaction.
You may be required to manually enter your PIN for transactions over $100.
3. Liability
Apple Pay is a service provided by Apple Pay, not by us. We are not responsible for any loss you suffer in relation to:
* your fraud;
* your use of Apple Pay or the supported device in a manner not permitted by Apple Pay (for example, by obtaining root access of the operating system allowing customisation to your supported device);
* a reduced level of service caused by matters beyond our reasonable control (for example, those caused by third party software and network providers);
* any error, defect or unavailability of Apple Pay; or
* any failure or refusal of merchants to process transactions using Apple Pay,
except to the extent that the liability is caused by our fraud, negligence or wilful misconduct (including that of our officers, employees, contractors or agents).
Apple Pay may change from time to time and we have no control over decisions to change Apple Pay or any of Apple services or products (including Apple’s terms or use or privacy policies).
Please call us promptly on 1300 426 997 if:
* your supported device is lost or stolen;
* your supported device’s mobile service is suddenly disconnected without your permission (which may indicate you have been subject to mobile phone porting); or
* you suspect a security breach in relation to your supported device or Apple Pay or that an unauthorised person has used your passcode, PIN or your other credentials to access Apple Pay.
Based on your report, we will suspend use of your eligible Travel Money Oz Card with Apple Pay. This helps protect you as much as possible from additional loss or liability.
Your liability for unauthorised transactions will be determined in accordance with the PDS. More terms which affect your liability in relation to transactions are set out in the PDS.
4. Security requirements for Apple Pay
You must take steps to secure your supported device on which your eligible Travel Money Oz Card has been registered.
You are responsible for ensuring that:
* any password of your supported device is kept secret and secure, not easily guessed or deciphered (e.g. your date of birth), and not shared with another person (and if known by another person, the passcode must be changed);
* your biometric identifier (e.g. fingerprint) is the only biometric identifier registered on your supported device (and any other person’s biometric identifier registered on your device must be removed);
* your supported device is not left unattended, is locked when not in use, and up-to-date antivirus software is installed on it; and
* any eligible Travel Money Oz Card is unlinked/removed from your supported device before disposing of it.
If you fail to comply with any of the requirements in this clause, you are taken to have authorised others to make transactions using Apple Pay and you are responsible for their use of your eligible Travel Money Oz Card.
WARNING: this could result in significant loss or liability in relation to such transactions.
5. What to do if there is a problem
You should check your transaction history regularly to make sure there are no errors or unauthorised transactions.
You must tell us as soon as you reasonably can if:
* your eligible Travel Money Oz Card or device has been lost or stolen; or
* you suspect someone else has used your account without your permission or may have access to your supported device or know your security credentials or eligible Travel Money Oz Card PIN.
You should promptly unlink your eligible Travel Money Oz Card from Apple Pay if your supported device is stolen or lost. Instructions to unlink your card are available on the Apple Pay App.
6. Fees and charges
The PDS describes the fees and charges which apply to your Travel Money Oz Card, if any.
We do not impose any additional fees and charges for registering and using your eligible Travel Money Oz Card with Apple Pay.
However, you will need to pay any third party fees and charges associated with downloading, registering and using the Apple Pay on a supported device, where applicable.
7. Rights we have
We may suspend or terminate use of your eligible Travel Money Oz Card with Apple Pay with at least 14 days’ notice with you. However, we may suspend or terminate your use of your eligible Travel Money Oz Card with Apple Pay immediately and without notice:
* if you ask us to suspend or close your eligible Travel Money Oz Card account that the card is linked to;
* if your eligible Travel Money Oz Card is cancelled, blocked or suspended in accordance with the PDS;
* if you breach the Travel Money Oz Card PDS or these Terms and Conditions and we reasonably consider that this is likely to have a material impact on your ability to meet the obligations of the PDS or these Terms and Conditions;
* if we suspect unauthorised transactions have occurred or the card has been or is likely to be misused;
* if required by applicable laws (such as anti-money laundering and counter-terrorism financing laws, or sanctions laws);
* if directed to do so by Apple Pay (for example, in circumstances of suspected fraud);
* if we are required by a regulatory or government body.
8. Privacy
We may collect information relating to your supported device (including app version, device type and model, operating system and security information such as whether you have obtained root access):
* to ensure that your eligible Travel Money Oz Card properly functions in Apple Pay;
* for security purposes and to identify fraud;
* so that we may better provide assistance to you; and
* to tell you about other products or services that may be of interest to you.
We may also exchange information with Apple Pay and service providers:
* to enable the use of your eligible Travel Money Oz Card with Apple Pay and to improve Apple Pay generally; and
* about persons involved in suspected security breaches or fraud.
By adding your eligible Travel Money Oz Card to Apple Pay on your supported device, you consent to our collection and disclosure of this information as described in this clause 8.
If you do not want to receive marketing information, email feedback@travelmoneyoz.com
The PDS and our Privacy Statement (emlpayments.com) contain more general information about our collection and handling of your information.
Once your eligible Travel Money Oz Card is registered to your supported device, Apple Pay may access your personal information regarding the use of your eligible Travel Money Oz Card through Apple Pay. Please see Apple Pay’s privacy policy at apple.com .
9. Changes to terms
We may make changes to these Terms and Conditions. We will notify you of any material or adverse changes by electronic notice to you via your device or Apple Pay in accordance with the product terms. Due to the nature of Apple Pay you agree to us communicating with you electronically in relation to your use of Apple Pay and these Terms and Conditions.
We may require you to confirm your acceptance of changes to continue using your eligible Travel Money Oz Card in Apple Pay.
10. Communication
Without limiting any other means of communicating with you under the relevant product terms, we may communicate with you by sending an SMS to your supported device, an email to the email address you have provided to us or by writing to you at the address you have provided to us. The SMS or notice may include a link to detailed information on our website.
11. Severability and governing law
If any provision or part of a provision of these Terms and Conditions is illegal, invalid or unenforceable, it will be severed from these Terms and Conditions and the remaining provisions (or parts of provisions) will continue in full force and effect.
These terms are governed by the law of New South Wales, Australia and both parties agree to submit to the exclusive jurisdiction of the courts of that State.
12. Meaning of words
Apple Pay: Means the mobile application provided by Apple Pay for use on your supported device. Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Eligible Travel Money Oz Card: Means the Travel Money Oz Card that can be used for Apple Pay on a supported device that has been issued by EML Payment Solutions Limited to you. You will be notified if your card is eligible when you attempt to register it with Apple Pay.
password: Means any password or code either we or a third party gives a user, or that user creates, that must be used before we, or a third-party, process a transaction. This includes PINs, internet, phone or mobile banking passwords, and codes generated by security token.
supported device: Is any equipment or device used to access your account, including a mobile phone or wearable device e.g., smartwatch, that is not given to you by us.
Terms and Conditions: Means these terms and conditions
we, us, our: Means EML Payment Solutions Limited ABN 30 131 436 532, AFSL 404131, the issuer of the Travel Money Oz Card
you or your: Means the person who holds the card that is used for Apple Pay.