1derful Pty Ltd (‘1derful’) Google Pay Terms and Conditions (‘terms’) 

 

1. These terms


 

By adding a 1derful card for use in the Google Pay app on your eligible android device; or allowing an additional cardholder to add a 1derful card linked to your account to the Google Pay app on their android device, you agree with 1derful to the terms set out below.

 

These terms apply in addition to the:

 

  1. Account Terms and Conditions associated with the 1derful card; and

  2. The 1derful App Terms and Conditions.

 

It is important that you read these terms and conditions, the Account Terms and Conditions and the 1derful App Terms and Conditions together. 


 

2. Using and managing Google Pay 

 

  1. You can add an eligible 1derful card to Google Pay on supported devices. An additional cardholder may also add their eligible 1derful Mastercard card to Google Pay on their supported device. 

 

  1. You or an additional cardholder must be verified when adding a card. As part of the process, we will either send a verification code via text message to your mobile or have you verify your identity in the 1derful App. You should ensure that 1derful has your correct mobile number in order to receive the verification code via text message. 

 

  1. Once you have added your card to Google Pay and have been verified, you may process transactions up to your account limit using Google Pay. 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. 

 

  1. Your card can be unlinked from Google Pay by following the instructions on the 1derful website and/or the Google Pay app. You can also ask us to unlink your card by calling us on 1300 115 533. 

 

  1. We may exchange information with Google and service providers related to the set up and use of Google Pay. By using Google Pay you agree that:  

 

  1. Google can provide us with information, such as your Google device details, for purposes including providing customer support, detecting and managing fraud, and to comply with applicable laws and regulations. 

 

  1. We can provide Google and its service providers with information for the purpose of operating and generally improving Google Pay. Google's data collection and handling practices are in accordance with their privacy policy (available at http://www.google.com/policies/privacy/). 

 

  1. If you don't want us to collect or disclose this information, you should not register a 1derful card for use in Google Pay. 

 

  1. You and any additional cardholder must agree to Google Pay terms and conditions in order to register your eligible 1derful card and use it with Google Pay.

 

3. Security requirements for Google Pay 

 

  1. You must take steps to secure your supported device on which your eligible 1derful card has been registered.

 

  1. Any person who has access to your android device may be able to make transactions using a 1derful card registered in Google Pay. 

 

  1. You are responsible for ensuring that: 

 

  1. 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. 

  2. your biometric identifier (e.g. fingerprint) is the only biometric identifier registered on your supported device. 

  3. your supported device is not left unattended, is locked when not in use, and up-to-date antivirus software is installed on it; and 

  4. any eligible 1derful cards are unlinked/removed from your supported device before disposing of it. 

 

  1. In addition to (c) above, you are responsible for ensuring that: 

  1. each cardholder keeps the passcode for the cardholder's android device secure in the same way as a cardholder would keep a banking password or PIN secure, including by: 

    • not carrying a record of it within an android device or with anything capable of being stolen along with an android device (unless a reasonable effort is made to protect the security of it);

    • 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 extreme carelessness in failing to protect the security of the passcode. 

  1. each cardholder keeps the android device safe and secure (including by locking it when not in use or when it is unattended and by installing up-to-date anti-virus software on it);

  2. each cardholder removes any 1derful cards from the cardholder's android device before disposing of the android device; 

  3. each cardholder takes all other necessary steps to prevent unauthorised use of Google Pay. 

  1. This means that any Google Pay transaction initiated by that person in these circumstances will be authorised by you and the terms of the Account Terms and Conditions which deal with unauthorised transactions will not apply. 

  2. If you fail to comply with any of the requirements in this clause 3, you are taken to have authorised others to make transactions using Google Pay and you are responsible for their use of your eligible 1derful card. 

  3. Where applicable, if another person's biometric identifier is registered on your android device or the android device of another cardholder you must ensure that it is removed. If you or another cardholder think any other person knows the passcode for the android device, you must ensure that the passcode is changed by you or another cardholder, as applicable. At any time, a cardholder can delete or suspend their 1derful card from the Google Pay app. You cannot suspend the use of another cardholder's 1derful card in the Google Pay app, but you can suspend or close the 1derful card of another cardholder by calling 1300 115 533.

 

4. What to do if there is a problem 

 

  1. You should check your transaction history regularly to make sure there are no errors or unauthorised transactions.

  2. You should immediately unlink you eligible 1derful card from Google Pay if your supported device is stolen or lost. Instructions to unlink your card are available on the Google Pay app.  

  3. You and any additional cardholder must tell 1derful straight away if:  

 

  1. an eligible 1derful card has been lost or stolen; or 

  2. any android device on which a 1derful card linked to your account has been added to Google Pay is lost or stolen; 

  3. the mobile service of any android device on which an 1derful card linked to your account has been added to Google Pay is suddenly disconnected without your permission (which may
    indicate the occurrence of mobile phone porting); or

  4. you or another cardholder suspect a security breach in relation to any android device on which a 1derful card linked to your account has been added to the Google Pay app or that an unauthorised person has used the passcode for an android device, 1derful card PIN or your other credentials to access the Google Pay app. 

  1. Based on your report, we will suspend use of your 1derful card with the Google Pay app. This helps protect you as much as possible from additional loss or liability. However, if you have contributed to the loss by unreasonably delaying reporting to us the loss or theft of your android device or the unauthorised use of your account details, you may be liable for transactions for which you did not give authority incurred before the report is received by us. More terms which affect your liability in relation to transactions are set out in the Account Terms. 

  2. In the Account Terms which deal with liability for unauthorised transactions (as set out in the 'Electronic Banking Conditions of Use'): 

  1. each reference to a 'password' or 'PIN' includes a reference to your android device passcode;

  2. each reference to a 'Security Requirement' includes the requirement to keep your android device passcode secure as described above; and

  3. each reference to a lost or stolen card includes a lost or stolen android device,
    with all necessary modification, notwithstanding that 1derful does not issue your android device to you (or the associated pass code), and noting that, where applicable, if another person's biometric identifier is registered on your android device, any transaction conducted by them is not an unauthorised transaction. 

  1. Generally, subject to protections under the ePayments Code described in those terms, you are liable for unauthorised transactions conducted using the Google Pay app. 

  2. It may be possible to make transactions using the Google Pay app with your android device after deleting/uninstalling the Google Pay app on your android device. As a result, if you no longer wish to use an 1derful card with the Google Pay app, you should remove the 1derful card from the Google Pay app prior to deleting/uninstalling the Google Pay application on your android device. Other ways you can ensure that your 1derful card cannot be used with the Google Pay app on your android device include: 

  1. removing the Google account to which the 1derful Card was added in the Google Pay app;

  2. undertaking a factory reset of your android device; or

  3. erasing your android device on android device manager.

  1. Your 1derful card may also be removed from the Google Pay app where your android device has not connected to Google’s servers for at least 90 days. 

 

5. Fee and charges 

 

We do not impose any additional fees and charges for registering and using your eligible 1derful card with Google Pay. However, you will need to pay any third-party fees and charges associated with downloading, registering and using the Google Pay on a supported device. 

 

6. Rights we have 

 

We may suspend or terminate use of your eligible 1derful card with Google Pay without notice at any time, including if: 

 

  1. you ask us to suspend or close the eligible 1derful account that the card is linked to; 

 

  1. either you or the additional cardholder breach these terms and conditions;

 

  1. we suspect unauthorised transactions have occurred; or 

 

  1. we are required by a regulatory or government body. 

 

7. Google Pay provided by Google 

Google Pay is provided by Google, not by 1derful. 

1derful's obligation to you in relation to the functionality of Google Pay is limited to securely supplying information to Google in order to allow the use of a 1derful card through the Google Pay app. 

We are not otherwise liable for the use, functionality or availability of Google Pay, any android device, the availability of compatible contactless terminals, or a reduced level of service caused by the failure of third party communications and network providers (except to the extent that we are deemed liable under the ePayments Code). 

You will need to agree to Google’s terms and conditions in order to use the Google Pay app. 

8. 1derful Liability 

1derful will not be liable for any loss arising from your use of the Google Pay app to the extent the loss was caused by: 

  1. your fraud; or

  2. your use of the Google Pay app or the android device in a manner not permitted by Google (for example, by obtaining root access to your android device); or

  3. subject to your rights under the ePayments Code, a reduced level of service caused by matters beyond our reasonable control (for example, those caused by third party software and network providers). 

 

9. Changes to terms 

 

We can make changes to these terms and conditions at any time. We will notify you of any material changes by electronic notice to you via your device or Google Pay. We may require you to confirm your acceptance of changes to continue using your eligible 1derful card in Google Pay. 

10. Suspension and termination of the Google Pay app 

1derful may block, suspend or terminate your 1derful card in the Google Pay app: 

  1. if 1derful reasonably suspects fraud;

  2. if your 1derful card is cancelled, blocked or suspended;

  3. if you are in default under the Account Terms or these terms;

  4. if required by applicable laws (such as anti-money laundering and counter terrorism financing laws, or sanctions laws);

  5. if directed to so by Google or by the applicable card network (for example, in circumstances of suspected fraud);

  6.  if 1derful's arrangements with Google regarding the Google Pay app cease or are suspended; or

  7. for any other reason. 

More circumstances in which electronic access may be removed in relation to your 1derful card (including through the Google Pay app) are set out in the Account Terms. 

11. Meaning of words 

 

"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. 

 

"eligible 1derful card" means a compatible debit or credit card that can be used for Google Pay on a supported device that has been issued by 1derful to you. You will be notified if your card is eligible when you attempt to register it with Google Pay. 

 

"password" means any password or code either we or a third-party gives a user, or that a 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. 

 

"security credentials" means any personal identification number, password, biometric identifier or other measure used to ensure the security of your supported device. 

 

"we", "us", "our", or "1derful" means 1derful Pty Ltd ABN 30 636 589 538.

 

"you" or "your" means the person who holds the card that is used for Google Pay.z

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

ACN 636 589 538