You agree with RACQ Bank to these terms by either,
The terms and conditions which apply to your card, apply in addition to the terms and conditions detailed below. To the extent of any inconsistency, the terms and conditions which apply to your card take precedence over these terms.
Additional terms and conditions may apply by your telecommunications provider or other relevant third parties.
We may block, suspend or terminate your card in the digital wallet:
You agree to protect and keep confidential your user ID, phone lock passcode, passwords, and all other information required for you to make purchases with your card using the Digital Wallet (Protected Information).
Always secure your Protected Information by using a unique number or pattern that is not obvious or can be easily guessed. Take precautions when using your Digital Wallet. Try to memorise your Protected Information or carefully disguise it. Never keep a record of your Protected Information with your device, on your device or computer, or tell anyone your Protected Information.
Notably, if you let another person be registered on your mobile device, or you share your Protected Information with any other person, you will deemed to have authorised that person to transaction on your account using the Digital Wallet. This means that any transaction conducted using the Digital Wallet initiated by that person using the Protected Information will be authorised by you and the card terms and conditions which deal with unauthorised transactions will not apply.
If your mobile has been lost or stolen, or you believe your security credentials have been compromised, you must report this to us immediately. Your existing card terms and conditions require you to contact us immediately if you believe there are errors or if you suspect fraud with your card. This includes any fraud associated with a Digital Wallet.
In your existing card’s terms and conditions which deal with liability for unauthorised transactions:
in the context, as required and as appropriate, noting that, RACQ Bank does not issue your device to you (or associated Protected Information) and that if another person is registered on your device, any transaction by them is not an unauthorised transaction.
Generally, subject to protections afforded to you by law, you are liable for unauthorised transaction conducted using the Digital Wallet.
RACQ Bank is not the provider of the Digital Wallet and is not responsible for its use and function. Our obligation to you in relation to the functionality of the Digital Wallet, is limited to providing the technical means to facilitate the functionality of the Digital Wallet to support the RACQ Bank cards. We are not responsible if there is a security breach affecting any information stored in the Digital Wallet or sent from the Digital Wallet.
We are not otherwise liable for the use, functionality or availability of the Digital Wallet, including any service issues caused by third party communication providers (unless as otherwise required by law).
We further do not make any guarantees or warranties that the Digital Wallet will be accepted by all merchants. We are, not liable for any loss, injury or inconvenience you suffer as a result of a merchant refusing to accept the Digital Wallet.
RACQ Bank will not be liable for any loss arising from your use of the Digital Wallet to the extent that the loss was caused by:
We may collect information relating to your device for the following reasons (but not limited to):
We may exchange information with the Digital Wallet provider (e.g. Apple Pay, Google Pay™, etc.) and related service providers (e.g. CUSCAL, VISA, etc.):
RACQ Bank is not responsible for any loss, injury or other harm you suffer in connection with the use of this personal information by the Digital Wallet provider or any related service provider.
If you do not want us to collect or disclose this information as described, you should not register a card for use with the Digital Wallet. If you do not want to receive marketing information, please contact us to opt out.
We may make changes to the terms and conditions required to immediately restore or maintain the security of a system or individual facility without prior notice. We will notify you of such changes as soon as practicable.
Otherwise, we will give you 30 days’ prior written notice of any changes which:
Notice may be given electronically, as described above. Any other changes which apply to the card, will be made in accordance with the card’s terms and conditions.
You agree to any such changes by continuing to keep the card in the Digital Wallet.