Apple Pay - Terms and Conditions
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What are these terms about?
These Apple Pay terms apply where you set up or use your Co-operative Bank card with Apple Pay. You agree to be bound by these terms by loading, or allowing another user to load, your Co-operative Bank card to Apple Pay.
These Apple Pay terms are part of the Terms and Conditions for Specific Services referred to in our General Terms & Conditions. They apply in addition to the following terms and conditions which make up our terms; our General Terms and Conditions, Terms and Conditions for our Digital Services, Fair Rate Credit Card Conditions of use, User Guide and Terms & Conditions - Debit Mastercard® and The Co-operative Bank’s Privacy Statement.
Please read these Apple Pay terms carefully before using Apple Pay and contact us if you have any questions. Where these Apple Pay terms conflict with any of our other terms, these Apple Pay terms take priority. In these Apple Pay terms, words in bold have the meanings given in section 13 below.
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Setting up a Co-operative Bank card in Apple Pay
To load a Co-operative Bank card to Apple Pay, you must:
- have an eligible card, and
- be using a supported device. You can find a list of supported devices here.
Using Apple Pay to make transactions
Once a Co-operative Bank card is loaded to Apple Pay, you may use Apple Pay to make online payments, in-app payments or contactless transactions on your Co-operative Bank card.
You may make contactless transactions by using your device at a contactless reader. You can do this in New Zealand or overseas anywhere you see an Apple Pay or contactless symbol.
How must you keep your device secure?
You’ll be responsible for all transactions made using your Co-operative Bank card in Apple Pay, except where these Apple Pay terms specifically state otherwise.
You must ensure that:
- No one else’s biometric information is registered on your device.
- You only use Apple Pay on your own device, or a device you’re authorised to use as your own and don’t share with anyone else.
- No one else uses your device to make transactions with Apple Pay.
- Your PIN, pattern or passcode is unique, kept secure, not easily guessed, or shared with another person (including Bank staff, police, or family members).
- You don’t store your PIN, pattern or passcode on, or with, your device.
- You take all possible precautions to ensure no one sees your PIN, pattern or passcode when you enter it.
- You change your PIN, pattern or passcode regularly, and immediately if you think another person knows it.
- You regularly update your device’s operating system, keep it secure and don’t leave it unattended.
- You lock your device when it’s not in use.
- You don’t misuse or interfere with your device, e.g. by reverse engineering or hacking into its software, overriding its hardware or software, or ‘jail breaking’ or ‘rooting’ your device.
- You follow the requirements in our General Terms and Conditions, Terms and Conditions for our Digital Services, Fair Rate Credit Card Conditions of use and User Guide and Terms & Conditions - Debit Mastercard® relating to protecting your Co-operative Bank card and PIN.
- You remove any Co-operative Bank card before selling or giving your device to someone else.
- Your Co-operative Bank card or device has been lost or stolen.
- You suspect someone else has used your account without your permission or may have access to your device or know your security credentials or Co-operative Bank card PIN.
- You know or suspect that another person may be able to unlock your device and/or store their biometric information on your device.
What is your liability?
If Apple Pay is activated on your device, anyone who can unlock your device can transact with a Co-operative Bank card loaded to Apple Pay.
You’ll be liable for all transactions made with your Co-operative Bank card using Apple Pay, whether or not you’ve actually authorised them. This takes priority over what any of our other terms say about liability for unauthorised transactions.The only exception is that you won’t be liable for unauthorised transactions made with your Co-operative Bank card using Apple Pay during a period where you’ve advised us that someone else may be able to unlock your device and you’ve asked us to block Apple Pay transactions on your Co-operative Bank card. This exception won’t apply if you’ve acted dishonestly or negligently.
Fees
Our Everyday Banking Fees brochure describe the fees and charges which apply to your Co-operative Bank card. We don’t charge any additional fees for loading and using your Co-operative Bank card with Apple Pay
Apple provides Apple Pay
Apple Pay is a payment platform made available by Apple, and not by us. You must agree to Apple’s Apple Pay Terms & Conditions to load your Co-operative Bank card and use it with Apple Pay.
We’re not liable for any loss you might suffer from:
- any error, defect, or unavailability of Apple Pay or any device,
- any failure or refusal of merchants to process transactions using Apple Pay, or
- a reduced level of service caused by a failure of third-party communications and network providers.
Changes to these terms and conditions
We can make changes to these terms from time to time. We’ll give at least 14 days’ notice before doing this. Our General Terms and Conditions describes the ways we can give notice.
Privacy and how information will be held and used
The Co-operative Bank may collect information about you from Apple, from your device (including device type and model and any paired iOS device, IP address, language, device name, iTunes and App Store account activity, location information if you have location services enabled) and from the third-party service providers we rely on to enable your use of Apple Pay.
We may use this information for any purpose associated with your use of a Co-operative Bank card in Apple Pay, including for any of the following reasons:
- to enable and ensure that your Co-operative Bank card works in Apple Pay,
- to help us determine whether to approve loading your Co-operative Bank card to Apple Pay,
- for security purposes, such as identifying fraud,
- for Co-operative Bank to better assist you,
- to resolve any disputes,
- for billing, accounting, auditing, reconciliation and collection activities,
- to improve and promote Apple Pay,
- for internal analytics, and/or
- to tell you about other products, services or promotions.
- enable the use of a Co-operative Bank card with Apple Pay, and
- help prevent and detect security breaches or fraud.
Communications
Without limiting any other means of communicating with you under our terms, you agree that we may contact you by:
- sending an SMS to your device
- sending you an email to the email address you have provided
- writing to you at the address you have provided to us, or
- sending a push notification to your device.
Our rights
Our terms for your eligible card give us rights to block, suspend or cancel your card. We may also block, suspend or terminate your eligible card in Apple Pay with or without notice at any time, including if:
- you breach our terms,
- we suspect someone is misusing your device,
- we need to do so to keep your eligible card or accounts secure,
- we’re required to by law.
Trademarks
Apple, the Apple Logo, Apple Pay, Apple Watch, Face ID, iPhone, iPad, MacBook, and Touch ID are trademarks of Apple Inc., registered in the U.S and other countries. App Store and iTunes Store are service marks of Apple Inc., registered in the US and other countries.
Definitions
What do the words in bold mean?
Apple: Apple, Inc. and/or its subsidiaries, affiliates and related entities.
Apple Pay: Apple's mobile payment and digital wallet service that lets users make online, in app or contactless transactions using a device and an eligible card registered to the device.
Contactless transactions: A payment or transaction made using your device at a contactless reader.
Device: any Apple equipment or Apple device that supports Apple Pay and is used to access your account, including an iPhone mobile phone, Apple Watch, iPad tablet or MacBook.
Eligible card: Any Co-operative Bank card we’ve approved for use in Apple Pay, and includes renewal, replacement and additional Co-operative Bank cards. You’ll be notified if your Co-operative Bank card is eligible when you attempt to register it with Apple Pay.
Co-operative Bank card: A Co-operative Bank Debit Mastercard or Co-operative Bank Fair Rate Credit Card or any other card we’ve approved for use in Apple Pay, whichever is relevant.
Our terms: mean all the terms which relate to this service including our:
- General Terms and Conditions
- Terms and Conditions for our Digital Services
- Fair Rate Credit Card Conditions of use
- User Guide and Terms & Conditions - Debit Mastercard®
Instructions on how to load and remove an eligible card are available on our website, co-operativebank.co.nz., or the New Zealand Apple Pay website.
Please contact us immediately on 0800 554 554 or +64 9 526 2426 (if you’re overseas) and unlink your Co-operative Bank card from Apple Pay if you encounter any of the following problems:
However, if you ask us not to contact you about other products, services or promotions we’ll comply with your request.
We may also share your information with Apple and third-party service providers who we rely on to enable your use of Apple Pay. This includes disclosing information about suspected security breaches or fraud.
The information we share with Apple and third-party service providers can be used by them to:
If you don’t want us to collect or disclose the information as described above, you shouldn’t load a Co-operative Bank card for use in Apple Pay.
The Co-operative Bank privacy statement contains more general information about how The Co-operative Bank collects and handles your information. The information described above may also be used and shared as outlined in our privacy statement. You’ll find our privacy statement online at co-operativebank.co.nz.
Apple may collect and use your information in accordance with its own privacy practices. Please refer to the Apple Payments Privacy Notice here.