Google Pay - Terms and Conditions

  1. What are these terms about?

    These Google Pay terms apply where you set up or use your Co-operative Bank card with Google Pay. You agree to be bound by these terms by loading, or allowing another user to load, your Co-operative Bank card to Google Pay.

    These Google 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 Google Pay terms carefully before using Google Pay and contact us if you have any questions. Where these Google Pay terms conflict with any of our other terms, these Google Pay terms take priority. In these Google Pay terms, words in bold have the meanings given in section 13 below.

  2. Setting up a Co-operative Bank card in Google Pay

    To load a Co-operative Bank card to Google Pay, you must:

    • have an eligible card, and
    • be using a supported device.

    Instructions on how to load and remove an eligible card are available on our website, co-operativebank.co.nz., or the New Zealand Google Pay website.

  3. Using Google Pay to make transactions

    Once a Co-operative Bank card is loaded to Google Pay, you may use Google 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 Google Pay or contactless symbol.

  4. How must you keep your device secure?

    You’ll be responsible for all transactions made using your Co-operative Bank card in Google Pay, except where these Google Pay terms specifically state otherwise.

    You must ensure that:

    • No one else’s biometric information is registered on your device.
    • You only use Google 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 Google 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.

    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 Google Pay if you encounter any of the following problems:

    • 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.

  5. What is your liability?

    If Google Pay is activated on your device, anyone who can unlock your device can transact with a Co-operative Bank card loaded to Google Pay.

    You’ll be liable for all transactions made with your Co-operative Bank card using Google 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 Google 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 Google Pay transactions on your Co-operative Bank card. This exception won’t apply if you’ve acted dishonestly or negligently.

  6. 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 Google Pay.

  7. Google provides Google Pay

    Google Pay is a payment platform made available by Google, and not by us. You must agree to Google’s Google Pay Terms & Conditions to load your Co-operative Bank card and use it with Google Pay.

    We’re not liable for any loss you might suffer from:

    • any error, defect, or unavailability of Google Pay or any device,
    • any failure or refusal of merchants to process transactions using Google Pay, or
    • reduced level of service caused by a failure of third-party communications and network providers.

  8. 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.

  9. Privacy and how information will be held and used

    The Co-operative Bank may collect information about you from Google, from your device (including device type and model and any paired Android device, IP address, language, device name, and Play 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 ofGoogle Pay.

    We may use this information for any purpose associated with your use of a Co-operative Bank card in Google Pay, including for any of the following reasons:

    • to enable and ensure that your Co-operative Bank card works in Google Pay,
    • to help us determine whether to approve loading your Co-operative Bank card to Google 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 Google Pay,
    • for internal analytics, and/or
    • to tell you about other products, services or promotions.

    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 Google and third-party service providers who we rely on to enable your use of Google Pay. This includes disclosing information about suspected security breaches or fraud.

    The information we share with Google and third-party service providers can be used by them to:

    • enable the use of a Co-operative Bank card with Google Pay, and
    • help prevent and detect security breaches or fraud.

    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 Google 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.

    Google may collect and use your information in accordance with its own privacy practices. Please refer to the Google Payments Privacy Notice here.

  10. 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.

  11. 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 Google 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.

  12. Trademarks

    Google, Android, Google Pay, Google Wallet and other marks are trademarks of Google LLC.

  13. Definitions

    What do the words in bold mean?

    Google: Google LLC and/or its related bodies corporate and affiliates.

    Google Pay: Google’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 phone, tablet or wearable device that:

    (a) uses Android software; or

    (b) is deemed eligible for use by Google, and supports Google Pay to access your account.

    Eligible card: Any Co-operative Bank card we’ve approved for use in Google 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 Google 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 Google 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®